Queries don’t just appear in your report for trivial reasons. They are actually placed on your file as a result of loan applications that you made in earlier times. Although you should know that not every loan application you make will affect an inquiry in your file, however, making too many loan applications will be interpreted as a desperation for funds. Therefore, this interpretation will result in an investigation to warn creditors that said consumer depends on credit as a means of survival.
But this should not be a cause for concern, as inquiries should leave your report within two years from the date it was reported. If it appears that the query in your file is wrong, then you have every right to request its deletion. The process that you will follow to do so is what is known as disputing negative information.
In this case, you must write a letter to the credit bureau that has a negative report on file, requesting removal on the grounds that it does not belong to you. You must include in your letter your social security number, date of birth, address and also attach the relevant documents that confirm your claim.
If there are other negative items that you would like to have removed from your file, you should consider initiating a restoration of your credit report and raising your score. With a simple tool, such as a repair kit, you can repair it yourself. Or better yet, you can have a credit repair agency perform the correction on your file. Clearing past due bills, mistakes, and paying off debt will increase your score by a significant number of points if done correctly.
