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 claim that is in error, that you haven’t authorized, or that you just don’t recognize, it’s important to take steps to remove it, especially if you suspect fraud.
To remove an inaccurate or erroneous survey, 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).
Additionally (as applicable), you may need to have Federal Trade Commission documents 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.