Having a good credit score is very relevant, especially for auto financing and home loans. However, sometimes you try on everything in your power to maintain a good score, but still your FICO score does not add up. Inquiries on your credit report may be one of the many reasons why your score ratings remain low, no matter how timely you are paying off your bills.

Here are the few tips using which you can remove inquiries from your credit.

Know the difference between soft and hard inquiry

After you have received the copy of your credit report, identify which inquires you should have removed.  Inquiries may have come from many different people for varying reasons.  So, therefore, you need to understand the difference between soft and hard inquiry.  Soft investigations do not damage your score, while hard inquiry does so.

The latter includes those from lenders and debt collectors who wish to peek in your payment history. Make sure such queries are always attached with your approval letter. Also, ask for the addresses of the lenders from the credit bureau as they will be used to follow up on removal requests.

Ask for documentation for hard inquires

Not all inquisitions have your permission, so therefore, ask for documentation.  If you are presented a paper with your signature, write to your lender and ask them to remove inquisition from the report.  The credit bureau considers all the investigations as personal and authorized. So, make sure there are no inquisitions made from your account without your permission.

Legal action

If the lender does not remove the investigation, within 30 days, and is not able to give you proper proof of authorization, you may take a legal action against them. If they fail to comply with rules, they can be fined thousand dollars.

If you fail to understand the intricacies of the procedure, you can seek professional help. There are many firms that offer credit inquiry removal services. You can locate such agencies online or in local directories. Make sure you choose a licensed, reputable and experienced firm to handle this issue. If handled well, your FICO score can swell up considerably.

For credit removal inquiry services, get in touch with 700 FICO Club. We can help you remove hard inquisitions from your report. Call us for more details on our services. You can email us your queries. We will be happy to help you.