Concrete requests can be deleted if they fall into one or more of the following categories:
- Unsolicited or unrecognized inquiries
- Identity theft
- Unfair penalty
- Creditors’ errors
- Legitimate surveys you want to remove
Note that if you have a request that you authorized, you cannot remove it from your credit report.
When reviewing your credit report, if you spot a request that is in error, that you did not authorize, or that you simply do not recognize, it is important to take steps to remove it, especially if you suspect fraud.
To delete an inaccurate or erroneous request, you can file a dispute with each of the credit bureaus. To do this, you will need to gather your personal information such as your driver’s license, social security number, date of birth, bank statements, and current address (including those from the past two years).
In addition (depending on the case), you may need to have the documentation for the Federal Trade Commission to corroborate your claims if you suspect fraud.
If any of these steps are beyond you, the option of working with a credit repair agency is still open to you. So while inquiries are not the entire basis of your credit score, they nonetheless play an important role and should not be ignored.