BOA에서 하드풀 2번이나 했어요.

처음 남기신 글인데 댓글이 없네요. 'Fair credit reporting act' 에 의하면 'authorized' inquiry 만 크레딧 리포트에 올라가게 되어 있습니다. 그러니까 꼬꼬댁께서 CSR 과 통화때 'hard full' 에 대한걸 확실히 confirm 을 하셨다면 BOA 에 편지를 쓰셔서  없애달라고 하셔야합니다. 아래는 샘플 레터입니다. 대부분의 크레딧 repair 도 말을 조금 바꿔서서 편지를 보내시면 됩니다. 

Re:  Unauthorized Credit Inquiry

    Dear Bank of America,

    I recently received a copy of my Experian credit report.  The credit 
    report showed a credit inquiry by your company that I do not recall 
    authorizing. I understand that you shouldn't be allowed to put an 
    inquiry on my file unless I have authorized it.  Please have this 
    unauthorized inquiry removed from my credit file because it is making it very 
    difficult for me to acquire credit.

    If you find that I am remiss, and you did have my authorization to 
    inquire into my credit report, then please send me proof of this.

    Thanking you in advance,