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A Hard Inquiry Removal Letter is a crucial document used when an individual discovers unauthorized or incorrect hard inquiries on their credit report in the Philippines. This document is particularly important as hard inquiries can negatively impact credit scores and remain on reports for up to two years. The letter should be used when there are unauthorized credit checks, duplicate inquiries, or inquiries made without proper consent. It must comply with the Philippines' Credit Information System Act (CISA) and Data Privacy Act, including specific details about the disputed inquiry, relevant dates, and supporting documentation. The document serves as a formal communication channel between consumers and credit reporting agencies or financial institutions, initiating the dispute resolution process under Philippine credit reporting regulations.

1. Sender Information: Full name, address, contact information, and any relevant account numbers of the person sending the letter

2. Recipient Information: Name and address of the credit reporting agency or financial institution

3. Subject Line: Clear indication that this is a Hard Inquiry Removal Request with any relevant reference numbers

4. Inquiry Identification: Specific details about the hard inquiry being disputed, including date, company name, and location on credit report

5. Request Statement: Clear statement requesting removal of the hard inquiry and explanation of why it should be removed

6. Supporting Facts: Brief explanation of the circumstances, such as unauthorized inquiry or duplicate pull

7. Legal Basis: Reference to relevant sections of Philippine credit and privacy laws that support your request

8. Action Request: Specific actions you're requesting and timeframe for response

9. Signature Block: Formal signature, printed name, and date