2d • Mario Jewels
Here’s what you can say when calling credit bureaus (Experian, Equifax, and TransUnion) to remove inquiries
You:
Hi, I was reviewing my credit report and noticed a few hard inquiries that I don’t recognize. I’d like to have them investigated and removed if they weren’t authorized by me. Can you help me with that today?
If they ask for details:
Sure — I can verify my identity first if needed. The inquiries I’m referring to are from [insert lender name(s)] dated [insert date(s)].
I never gave written permission or signed any credit application with those companies, so I’d like those removed under the Fair Credit Reporting Act.
If they push back or say to contact the creditor:
I understand that, but according to the FCRA, you as the credit bureau are required to verify that the inquiry was made with my authorization.
If the company can’t provide proof of my signed authorization, that inquiry must be deleted from my report.
If they agree to investigate:
Perfect, thank you. Can you please provide me with a confirmation number for this dispute and tell me when I should expect the results?
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Here’s what you can say when calling credit bureaus (Experian, Equifax, and TransUnion) to remove inquiries
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