Document background
The Letter for Removal of Hard Inquiry is a crucial document used when a consumer identifies unauthorized or incorrect hard inquiries on their credit report. These inquiries, which can impact credit scores, must be properly disputed under U.S. federal law, specifically the Fair Credit Reporting Act (FCRA). The letter is typically submitted when a consumer has not authorized a credit check, when multiple inquiries were made for a single credit application, or when inquiries appear fraudulent. It should include specific information about the disputed inquiry, personal identification details, and the basis for removal. Credit bureaus are legally required to investigate disputes within 30 days of receiving a properly documented request. This document is particularly important as each hard inquiry can affect a credit score for up to two years, making prompt dispute resolution essential for maintaining accurate credit records.
