How to Write a 604 Inquiry Removal Letter?
The inquiry section in your credit report shows the inquiries made on your credit report by different people or institutions. While this part doesn't significantly impact your credit score, you may need to verify the inquiries and have them removed, especially if the inquiries are unauthorized or appear to be fraudulent.
An disputes any inquiries that seem unknown to you and requests the credit bureau to remove them from your credit report. You'll need to draft it, explain all your concerns on the specific inquiries, and let the credit bureau look into it.
While you can easily use a template to write a credit inquiry removal letter, you can leave out some vital information. So, why not let DoNotPay help you? DoNotPay's Clean Credit Report product can help you draft an inquiry removal letter that meets all the requirements.
What is a 604 Inquiry Removal Letter?
A is sent to credit bureaus disputing any unauthorized credit inquiries from your credit report. As mentioned earlier, credit report inquiries have minimal impact on your credit score, but if they become too many in a short period, your credit report may receive a hit.
Credit report inquiries are in two categories.
|Soft inquiries||Can be requested by anyone trying to access your financial information, but they only receive a part of it. Only you can see such inquiries.|
|Hard inquiries||Are made by credit companies anytime you request a loan. They are available to anyone running a financial check on you and can injure your credit score.|
Therefore, it's essential to remove some of these credit report inquiries, especially those you did not approve.
You'll need to draft an inquiry letter with all the required information and send it to the credit report bureau. The Fair Credit Reporting Act allows the bureau to investigate the inquiries and take action within 30 days after receiving your inquiry removal letter.
How to Write a 604 Inquiry Removal Letter
The Fair Credit Reporting Act allows you to dispute any inquiries on your credit report that appear unfamiliar or unauthorized. Here's a checklist of what you must include in your credit report inquiry removal letter.
- Name, address, Social Security number, and date of birth
- Reason for the dispute
- The credit report or the confirmation number includes the unauthorized inquiry
- Description of the inquiry (including the creditor's name, date of the inquiry, and page number of where it appears in your credit report)
- Today's date
- Request for prompt removal
Here’s a Sample of an Inquiry Removal Letter
123 Lolly Avenue
Showside, NJ, 01234
March 23, 2022
Credit Bureaus Name
Credit Bureaus Address
City, State, Zip Code
RE: Hard Credit Inquiry Removal Request
I'm writing this letter to request the removal of unauthorized credit report inquiries from my credit report. I noticed the unauthorized inquiries listed below after receiving a copy of my credit report from your bureau on [insert date].
- Name of Company 1
- Name of Company 2
- Name of Company 3
I have contacted the companies and requested that they remove the inquiries from my credit report as they were unauthorized. However, I have not received any response from them for over 60 days now.
Kindly investigate my claim per the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report at the address provided above.
Thank you for your assistance.
That's all there is to it. Just be sure that you include a copy of your credit report showing highlighted inquiries that you need to be removed.
How Does DoNotPay Help?
DoNotPay can help you letter so that you don't leave out any information. Also, DoNotPay can help you submit your letter to the respective bureau and save you the hassle of sending it.
Here is how DoNotPay works.
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
And that's it! DoNotPay will file the appropriate letter on your behalf (mailing is more effective in these cases since it's traceable). You should hear back from the creditor/credit bureau within a few weeks with a response.
Why Use DoNotPay to Write a 604 Inquiry Letter?
- Fast – DoNotPay is the fastest way to deal with credit reporting agencies.
- Easy – You'll only need to provide information about your case to DoNotPay and let them help you through the following steps.
- Successful – You can trust DoNotPay to fix your credit report problem without fail.
What Else Can DoNotPay Do?
DoNotPay can help you learn the following.
- How to improve credit score
- Dispute credit report
- Debt validation letter
- How to remove collections from credit report
- Credit dispute letter
- How to remove late payments from credit report
- How to fix credit score
- How to remove inquiries from credit report
DoNotPay also covers a wide variety of services like:
Check out DoNotPay's Clean Credit Report product to get started.