Hard Inquiry Removal Letter Template for Australia

The Hard Inquiry Removal Letter is a crucial document used in the Australian credit reporting system when an individual identifies unauthorized or incorrect hard inquiries on their credit report. These inquiries, which occur when organizations check a person's credit history, can impact credit scores and future lending opportunities. The letter is designed to comply with Australian privacy and credit reporting legislation, particularly the Privacy Act 1988 and the Privacy (Credit Reporting) Code 2014. It should be used when an individual identifies inquiries they did not authorize, duplicate inquiries, or inquiries made without proper consent. The document typically includes personal identification details, specific information about the disputed inquiry, reasons for requesting removal, and any supporting evidence. It serves as a formal request to credit reporting agencies to investigate and remove incorrect or unauthorized credit inquiries from an individual's credit report.

1. Sender's Information: Full name, address, contact details, and any relevant account numbers

2. Date: Current date of the letter

3. Recipient Information: Credit reporting agency's name and address

4. Subject Line: Clear indication that this is a Hard Inquiry Removal Request

5. Inquiry Identification: Specific details about the hard inquiry including date, company name, and account reference

6. Request Statement: Clear statement requesting removal of the hard inquiry

7. Reason for Removal: Explanation of why the inquiry should be removed (unauthorized, duplicate, etc.)

8. Action Request: Specific actions requested from the credit reporting agency

9. Closing: Professional closing with signature and printed name