Review your credit reports closely. Determine whether each credit inquiry was the result of a credit application you pursued. If you find inquiries that you didn’t authorize, make a notation on your credit report.
Make two lists: inquiries that you authorized and ones you didn’t. You will handle these separately.
Start with the list of unauthorized credit report inquiries. Draft a letter to each of the big three credit-reporting companies (TransUnion, Equifax and Experian) stating that you didn’t authorize an inquiry into your credit report and they must remove the fraudulent listing in accordance with the Fair Credit Reporting Act. Close the letter by asking them to send you an updated and corrected credit report within 15 business days.
Draft a goodwill letter for your valid credit inquiries, kindly asking the credit-reporting agencies to remove the inquiries from your reports. Be sure to include that you’re trying to rebuild your credit and that this would help the process. Also ask for a response within a reasonable amount of time, perhaps one month.
Continue building positive credit in other ways. Credit inquiries can hurt your overall score, but other factors such as payment history and the balance on your accounts count more toward your overall credit score. Make a plan to pay your bills on time and reduce your overall debt and you’ll soon find that your credit score increases, with or without the credit inquiries on your account.