2년 다된것은 자동으로 삭제가 됩니다. 2년이 된후 어떤것이 남아 있는지 확인 하시면 좋습니다.
또한 지난 180일 전 으로 있는 인쿼리는 , 꼭 지우지 않으셔도 됨을 알려 드립니다. (융자 심사시 최근 120-180일 동안에 무분별한 인쿼리가 있는지 보게 됩니다. -많다면, 위험 요소로 생각해 800 이 되어도, 융자를 승인 해주지 않을 때가 많습니다.)
점수에 큰 영향을 주지 않게 됩니다.
또한 같은 날짜에 연속적으로 차를 샤핑 하기 위해 gap없이 뽑은 인쿼리 라면,
점수에 큰 지장을 주지 않습니다. 즉 남은게 1년전거라면 구지 지우실 필요가 없습니다.
지울 필요가 없는것을 돈을 내고 한건에 얼마를 해서 지워준다고 하는 달콤한 유혹에 넘거 가지 않으시길 바랍니다.
또한 만약 지우고 싶다면, dispute을 신청 할수 있습니다. 뽑은 회사에서 written auth 가 없다면 지워지게 됩니다.
샘플 편지를 참고 하세요
도움 되시기 바랍니다.
<Credit Bureau: Name>
<Credit Bureau: Address>
RE: Request Investigation of Credit Inquiry on My Behalf
Dear Sir or Ma’am,
I recently conducted a review of my credit report, and I noticed that your agency showed two (2) credit inquiries that I find to be problematic.
The first inquiry in question was apparently made by Company X on May 2nd, 2016 and I have no recollection of doing any business with Company X.
I contacted Company X, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.
The second inquiry was made by Company Y. I do remember working with Company Y, as they are the company I used for my recent auto loan. However, I applied for that loan just a few weeks after applying for similar loans from Company W and Company Z. Based on my research, I believe only Company Y, W, or Z should be showing on my report.
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible.
Thanks for your prompt attention to this matter,