Hard Inquiry Removal Letter Template for Nigeria

The Hard Inquiry Removal Letter is a crucial document used when an individual discovers unauthorized or incorrect hard inquiries on their Nigerian credit report. These inquiries, which can impact credit scores, must be disputed according to the framework established by the Credit Reporting Act 2017 and overseen by the Central Bank of Nigeria. The letter is typically used when there's evidence of unauthorized credit checks, identity theft, or multiple inquiries for the same loan purpose. It must include specific information about the disputed inquiry, personal identification details, and supporting documentation. The document follows Nigerian legal requirements for credit dispute resolution and must be submitted to the relevant credit bureau within specified timeframes. Understanding and properly executing this letter is essential for maintaining accurate credit records and protecting consumer rights under Nigerian law.

1. Sender's Information: Full name, address, and contact information of the person sending the letter

2. Date: Current date in formal business letter format

3. Recipient's Information: Credit bureau's name, address, and department (if applicable)

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

5. Account Identification: Personal identification details including account numbers and any reference numbers

6. Dispute Statement: Clear statement identifying the hard inquiry being disputed

7. Request for Action: Specific request for removal of the hard inquiry

8. Timeline Reference: Reference to when the inquiry appeared and relevant dates

9. Closing: Formal closing with signature and printed name