Free Inquiry Dispute Letters. Once the credit bureaus receive your letter they are obligated to investigate your claim with the creditor who placed the inquiry on your credit report. There are other companies that offer a free credit report service, but always be cautious about giving your personal information like your social security number or date of birth to any company without proper research first.
Send your dispute letter via certified mail, return receipt requested , so that you have document that the inquirers received your correspondence. A credit inquiry removal letter is used to dispute an unauthorized inquiry. Your letter should clearly identify each item in your report you dispute, state the facts and explain why you dispute the information, and request that it be removed or corrected.
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All 3 credit bureaus have an online dispute process that you can use for free to dispute a hard inquiry. This letter is especially used for credit reports. Name the dispute source (it may be a lender, employer, credit card company etc) type of item. Inquire is to get to know about something or find out the stuff you do not know.