Document background
The Hard Inquiry Removal Letter is a critical document used when an individual discovers unauthorized or incorrect hard inquiries on their credit report in India. These inquiries, which can negatively impact credit scores, must be disputed through a formal process as outlined by the Credit Information Companies (Regulation) Act, 2005 and RBI guidelines. The letter is typically submitted when a consumer hasn't authorized a particular credit check, notices duplicate inquiries, or identifies fraudulent activity. It must include specific details about the disputed inquiry, personal identification information, and supporting documentation. This document is particularly important in the Indian context, where credit reporting is strictly regulated and consumers have specific rights regarding the accuracy of their credit information.
