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Best Credit Inquiry Removal Letter. By sending letters to credit reporting agencies, you force lenders to prove that you owe them money and that they are justified in adding the negative item on your credit report. You may want to enclose a copy of your report with the items in question circled.
Box 000 city, state 00000 attn: For recent late payments within the last 2 years or on open accounts, the only way to get these expunged is by utilizing the direct creditor dispute method. Any enclosures should be copies.
You can only submit a removal letter for false or unauthorized inquiries—any inquiry you did authorize will stay on your record.
When you apply for a loan or credit — and the lender checks your credit — it shows on your report as an inquiry. One of the best ways to do that is to dispute the inquiry with. Any enclosures should be copies. It needs to be sent by certified mail to each of the three main credit bureaus.