its about credit

[Mesidor Azor]

Hello All,

I have about 10 hard inquiries on my credit profile.  I am told there letters that I can send to the credit companies and have them remove the inquiry.  

Can anyone assist me with a copy of that letter?

thank you

mesidor

[Mindy Jensen]

Have you received a copy of your credit report in the last 365 days? If not, it's time to go get one. You are entitled to one free copy of your credit report every year. Go to annualcreditreport.com, it is the site created by the three credit reporting companies.

Obtaining a credit report for yourself does not negatively effect your credit score. Once you get the report, see if there are any mistakes on the report. Make sure someone isn't trying to steal your identity. A hard inquiry occurs with your permission, like applying for a credit card, mortgage or other type of loan. Have you done this 10 times in the past two years? Hard inquiries stay on your report for two years.

If you find incorrect information on your credit report, contact the agency upon whose report it appears, and ask them how to get it dismissed. They may ask for additional documentation. I don't think there is a copy of a letter that can get the inquiries just wiped out for you. You have to do some work to get incorrect information removed from your credit report. Correct information will stay. If you have indeed applied for 10 credit cards, loans or mortgages in the last two years, you won't be able to remove the inquiries from your report. Good luck!