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Updated over 6 years ago on . Most recent reply

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186
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83
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Jeremy S.
  • Mechanicsburg, PA
83
Votes |
186
Posts

Removing Credit Inquiries from credit report

Jeremy S.
  • Mechanicsburg, PA
Posted

I would like to get a couple inquiries removed from my credit report that I legitimately applied for.  I have read that you can send a letter to creditors asking to see the paper you signed for the inquiry and if they don't respond you can get it removed and I am planning to use this method.  My question here is, can I simply ask the branch managers whom I have a relationship with to handle this for me without sending the letter to the corporate office?

Is that something they are allowed to do? How much work would I be asking of them?

Most Popular Reply

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5,116
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5,171
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Kyle J.
  • Rental Property Investor
  • Northern, CA
5,171
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5,116
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Kyle J.
  • Rental Property Investor
  • Northern, CA
Replied
Originally posted by @Jeremy S.:

@Wayne Brooks it's more than just a couple, I have a total of 17 inquiries.  They are about 3-4 points each and they stay on your report for 2 YEARS and they are affecting my score by about 50 points.

Just FYI, the credit inquiries will stay on your credit report for two years, but they should only affect your FICO score for one year.  

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