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Avoid Hard Inquiries That Aren’t Yours –Top 10 Anti-Fraud Tips (Part 2)

You might be in the market for a new house or car, or maybe you were just curious, but whatever your reason for checking your credit, you may have noticed that in the credit inquiry section there is a long list of companies that you might not even remember dealing with- but don't worry! There are a few ways that you can remove inquiries from your credit bureau to prevent them from affecting your overall credit score.

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Avoid Hard Inquiries That Aren’t Yours –Top 10 Anti-Fraud Tips (Part 2)

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  1. Avoid Hard Inquiries That Aren’t Yours –Top 10 Anti-Fraud Tips (Part 2)

  2. Last week Inquiry Busters introduced the first five of our Top 10 Anti-Fraud Tips, and today we are finishing off the list to help you keep your financial identity safe. Once your identity is stolen all you can do is contact the police and contact any organization that granted fraudulent credit in your name. To avoid this and any debts or hard inquiries that might result from identity theft:

  3. Keep your social media private Friends, family, and business partners only! If you need to have a social profile that is also public, protect yourself from identity theft or unwanted hard inquiries by not sharing sensitive information.

  4. Shred old and unused documents Trash-sifting is one way that thieves gain access to your information. Always use a two-way shredder for paper documents so would-be thieves cannot get credit or generate hard inquiries in your name.

  5. Cut cards and trash them safely If you have an expired credit card, driver's license, or other pieces of identifying I.D., cut up the card into the smaller pieces that you can and throw out over a period of a few days in separate trash bags.

  6. Access your credit score often Check your credit score. Check your credit score again. Keep checking it every six months to a year, and keep tabs on any charges, hard inquiries, or new trade lines that you aren't responsible for adding.

  7. Insure yourself against theft Most credit bureaus now offer identity theft protection to ensure your credit score is protected, you are alerted to new hard inquiries, and you are not liable for any transactions that you did not authorize.

  8. How to remove inquiries as the result of fraud? In most cases, companies will remove inquiries if you can prove that these hard inquiries are fraudulent – but, that places the onus on you. Instead, contact the professionals at Inquiry Busters to remove inquiries faster to begin rebuilding your credit sooner and put the onus back where it belongs: on the shoulders of the business that failed to verify your identity before authorizing credit in your name.

  9. Thanks for stay with us.

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