Credit Inquiry Removal Letter — Dispute Unauthorized Hard Pulls on Your Credit Report
Protect Your Privacy and Strengthen Your Middle Credit Score®.
When a company checks your credit without your permission, it can appear as a hard inquiry, lowering your score and signaling unnecessary risk to lenders.
A Credit Inquiry Removal Letter helps you dispute these unauthorized hard pulls with the credit bureaus or directly with the company that initiated them, ensuring only legitimate inquiries remain on your report.
At Middle Credit Score®, we help consumers safeguard their credit reputation with professional-grade, do-it-yourself tools.
This letter—and over 30 other free templates—are available inside our Credit Dispute Letters Support Center, designed to help you take control of your credit health under the Fair Credit Reporting Act (FCRA).
🔍 When to Use a Credit Inquiry Removal Letter
Send this letter when:
- You notice hard inquiries on your report from lenders or companies you didn’t authorize.
- A company performed multiple credit checks after one application.
- A collection agency pulled your report without permissible purpose.
- You’re cleaning up old or duplicate inquiries to improve your Middle Credit Score®.
Hard inquiries can stay on your report for up to two years, but they can be removed if they were made without your consent or proper authorization.
💡 Why This Letter Matters
Unauthorized hard inquiries can reduce your score and create unnecessary red flags for lenders.
By using a Credit Inquiry Removal Letter, you:
- Request proof of your authorization for each inquiry.
- Demand removal of any inquiry that cannot be verified.
- Strengthen your privacy rights under FCRA Section 604(a).
- Protect your Middle Credit Score® from unjustified score reductions.
Even a few unauthorized inquiries can affect loan approvals and interest rates, so removing them can improve both your score and your financial credibility.
🧭 Step-By-Step: How to Send
- Review your credit reports from Experian, Equifax, and TransUnion for unauthorized inquiries.
- Complete the Credit Inquiry Removal Letter below, listing each disputed inquiry and date.
- Include copies of your government-issued ID and proof of address.
- Send your letter by certified mail to both the credit bureau and the company that made the inquiry.
- Keep all documentation and monitor your credit report for updates within 30 days.
If the inquiry can’t be verified, the bureau must delete it from your credit file.
🔗 More Free Tools for Credit Accuracy
For additional letter templates and guides, explore our
➡️ Credit Dispute Letters Library
.
To learn how to protect your Middle Credit Score® from unauthorized access and identity theft, visit the
➡️ Middle Credit Score® Academy.
🧠 Bottom Line
A Credit Inquiry Removal Letter helps you reclaim control over your credit report by removing unauthorized or excessive hard pulls.
By challenging these inquiries, you protect your privacy, improve your standing, and support the accuracy of your Middle Credit Score®.
⚖️ Disclaimer
The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each credit bureau or creditor may have its own policies, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.
⚖️ Disclaimer
The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each credit bureau or creditor may have its own policies, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.
