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The document is a formal request to Equifax Information Services LLC disputing an unauthorized credit inquiry on the sender's credit report. The sender claims that they did not authorize the inquiry, which violates their rights under the Fair Credit Reporting Act. They request an investigation into the matter, documentation of any authorization, and removal of the inquiry if found unauthorized. Additionally, they ask for an updated copy of their credit report without charge.

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What is a 604 letter?

A 604 dispute letter asks credit bureaus to remove errors from your report that fall under section 604 of the Fair Credit Reporting Act (FCRA). While it might take some time, it's a viable option to protect your credit and improve your score.

Can you pay to remove inquiries?

Credit repair companies charge consumers a fee to remove inaccurate information from their credit reports. They may charge hundreds or even thousands of dollars to find inaccurate negative information in their clients' credit histories and dispute them with the major consumer credit bureaus.

How many points does it take to get rid of hard inquiries?

A hard credit inquiry could lower your credit score by as much as 10 points, though in many cases the damage probably won't be that significant. As FICO explains: \u201cFor most people, one additional credit inquiry will take less than five points off their FICO Scores.\u201d

What is credit repair loophole 609?

"The 609 loophole is a section of the Fair Credit Reporting Act that says that if something is incorrect on your credit report, you have the right to write a letter disputing it," said Robin Saks Frankel, a personal finance expert with Forbes Advisor.

Do 609 letters still work?

There is no such "609 Dispute Letter" anywhere to be found in the FCRA. The FCRA does, in fact, include a considerable amount of language memorializing your rights to dispute the information found in your credit reports. But it's in section 611 of the statute, rather than in section 609.

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How do I remove unauthorized hard inquiries?

A legitimate hard inquiry usually can't be removed. But it disappears from your credit report after two years, and typically only impacts your score for about one year. If you find an unauthorized hard inquiry on your report you can file a dispute and request that it be removed.

How can I get inquiries removed from my credit report?

Credit inquiry removal letters can be sent to both the credit reporting agencies and the lender who issued the credit inquiry. Send the credit inquiry removal letter via certified mail. ... Notify the lender first. ... Include a copy of your credit report. ... Send to the appropriate credit bureau.

How do I get a 609 letter?

A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report....How to Write a 609 Letter Step 1: Get your free credit report. ... Step 2: Write your 609 letter. ... Step 3: Mail your 609 letter via certified mail with a return receipt.

Can I call to have hard inquiries removed?

If you spot a hard credit inquiry on your credit report and it's legitimate (i.e., you knew you were applying for credit), there's nothing you can do to remove it besides wait. It won't impact your score after 12 months and will fall off your credit report after two years.

What is a 609 letter template?

A 609 dispute letter is often touted as a credit repair method that uses a legal loophole to repair your credit. You'll find many 609 dispute letter templates on websites which claim that you can use them to force the credit bureaus to erase negative marks (such as late payments) from your credit report.

Get the up-to-date REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY - EQUIFAX - Hard Inquiry Removal Template 2025 now

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What is a 604 letter?

Can you pay to remove inquiries?

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What is credit repair loophole 609?

Do 609 letters still work?

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