Hard Inquiry Removal Letter Templates

Template 1: Disputing Hard Inquiries Made Without Permission

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State ZIP Code]

To Whom It May Concern:

I am writing to dispute the following hard credit inquiries on my credit report:

[List the name of the creditor or lender that made the hard inquiry]
[List the date of the hard inquiry]
I did not authorize these hard inquiries, nor did I apply for any credit with these companies. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Enclosed are copies of my credit report with the hard inquiries highlighted for your reference.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Name]

Template 2: Disputing Hard Inquiries Resulting from Fraudulent Activities

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State ZIP Code]

To Whom It May Concern:

I am writing to dispute the following hard credit inquiries on my credit report:

[List the name of the creditor or lender that made the hard inquiry]
[List the date of the hard inquiry]
I did not authorize these hard inquiries, and I believe they may be the result of fraudulent activities. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

I have already contacted the affected companies and reported the fraudulent activities. I am also taking additional steps to protect my personal and financial information from further fraud.

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Enclosed are copies of my credit report with the hard inquiries highlighted for your reference. Please investigate this matter and provide me with a written response as soon as possible.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Name]

Template 3: Disputing Hard Inquiries Made During the COVID-19 Pandemic

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Credit Bureau Name]
[Credit Bureau Address]
[City, State ZIP Code]

To Whom It May Concern:

I am writing to dispute the following hard credit inquiries on my credit report:

[List the name of the creditor or lender that made the hard inquiry]
[List the date of the hard inquiry]
These hard inquiries were made during the COVID-19 pandemic, and I believe they may be the result of unauthorized activities or errors caused by the pandemic’s economic impact. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.

Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Enclosed are copies of my credit report with the hard inquiries highlighted for your reference. Please investigate this matter and provide me with a written response as soon as possible.

Thank you for your prompt attention to this matter.

Sincerely,

[Your Name]