How to get inquiries removed from credit report?

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Grab your free credit reports from Equifax and TransUnion to spot any unauthorized hard inquiries. If found, contact the creditor for confirmation. Still unresolved? Dispute with the credit bureaus. In cases of identity theft, file a complaint with the Canadian Anti-Fraud Centre and acquire a police report. Freeze your credit and add a fraud alert for protection. Don’t hesitate to consult a lawyer. Reach out via phone, text or live chat if you have any questions.

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Remove Inquiries From Credit Report Question

How to get inquiries removed from credit report? I’ve noticed some hard inquiries on my credit report that I didn’t authorize. How can I go about getting them removed?

From: Anonymous Question
Location: Guelph, Ontario (ON)
Category: credit rebuilding

Remove Inquiries From Credit Report Answer

First things first, grab your annual free credit reports from Equifax and TransUnion. Give them a close look, especially the “Credit inquiries” section, to catch any sneaky, unauthorized hard inquiries.

If something’s fishy, get in touch with the creditor listed. Double-check if the inquiry was authorized. Ask them nicely for a written confirmation and politely request they wipe it off your record.

Still not resolved? Roll up your sleeves and file a formal dispute with Equifax or TransUnion. Provide all the deets like inquiry date, who the creditor is, and why you’re disputing. They’ve got 30 days to sort this out for you.

If you suspect identity theft, it’s time to get serious. File a complaint with the Canadian Anti-Fraud Centre and make sure to snatch up a police report to strengthen your case.

Lock things down by freezing your credit, keeping unauthorized folks out. You can also slap on a fraud alert, so any new credit applications have to pass an identity check.

Keep those credit antennas up: Regularly check your reports to make sure no one’s sneaking in unauthorized inquiries in the future.

If it all feels like too much, a legal head can help. Consider chatting with an attorney to explore any actions under Canadian privacy laws.

From: Insider Scott

Office of the Superintendent of Bankruptcy (OSB) Answer

To get unauthorized hard inquiries removed from your credit report, you can file a formal dispute with the credit reporting agency. Under the Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to dispute information that you believe is incorrect. Check for the specific instructions in the regulations outlined in C.R.C., c. 369, which detail the process for consumers to request corrections to their credit file. Additionally, provide documentation proving that you did not authorize the inquiries, as this will support your case. If the inquiries are found to be unauthorized, the credit reporting agency is obliged to remove them. For more information on how unauthorized inquiries affect your financial standing, you can refer to our section on credit score impact.

From: OSB Helper

Related Questions to How To Get Inquiries Removed From Credit Report

Here are the top 5 most frequently asked questions related to removing inquiries from a credit report, based on current trends and online search data:

1. Can I remove a legitimate inquiry from my credit report?

No, you cannot remove a legitimate inquiry from your credit report[4].

2. How long do credit inquiries stay on my credit report?

Credit inquiries typically stay on your credit report for three years, although they only impact your credit score for a few months if you make on-time payments[4].

3. How do I dispute an incorrect credit inquiry on my credit report?

You need to review your credit report, identify the incorrect inquiry, contact the lender associated with the inquiry, and submit a dispute letter to the credit bureau if necessary[4].

4. What documents do I need to submit to dispute a credit inquiry?

You may need to provide supporting evidence such as proof of identity and any correspondence with the lender that shows the inquiry was unauthorized[2][4].

5. Can I remove multiple inquiries from my credit report at once?

You can dispute multiple inquiries individually, but each must be addressed separately with the relevant credit bureau and lender, providing appropriate evidence for each dispute[2][4].

If you have a question about debt see our debt questions or ask your own debt related question.

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