IMPROVING YOUR CREDIT SCORE: A number of credit enquiries on you file within the same 6-month period may negatively affect your credit score. This could potentially;
- Prevent you from obtaining credit and
- You maybe charged a higher interest rate.
If you identify various credit enquiries on your file that are unauthorized, you can request the Credit Reporting Body (CRB) remove those enquiries. Follow this LINK to request error correction.
This template can be used to assist with tidying up your credit file and subsequently improve your credit score. The Credit Reporting Body (CRB) may ask you to contact the Credit Provider who made the enquiry directly, however this is a potential breach of the Privacy (Credit Reporting) Code 2014 (Version 2) and they are required not to deflect your request to another party.
If the Credit Reporting Body (CRB) does not reply with 30 days, the matter should be escalated to the appropriate industry ombudsman.
Click the “SEND TO MY EMAIL” button below to send a copy of this template to your email address.
* Click Here to watch our HOW TO Video on how to read your credit file
** Click Here to watch our HOW TO Video on finding your PAS Number
*** If you have NOT lodge corrections for your credit file, click Click Here to watch our HOW TO Video on lodging corrections for your credit file
DATE: <Insert Date>
<Insert Full Name>
PAS Number <Insert PAS Number>
<Insert CRB Name> Resolutions Team
Dear <Insert CRB Contact’s Name>
Re: PAS Number <Insert PAS Number>
This is regarding your response on <Insert CRB’s Response Date> concerning my correction request to the unauthorized credit enquiries lodged on <Insert Request Lodged Date> noted on my credit file.
You have recommended I contact <Insert CP Name/s> directly. I have followed this recommendation, however <Insert CP Name/s> have no record of me; they cannot identify me and will not disclose any information.
I note your obligations under the Privacy (Credit Reporting) Code 2014 (Version 2) to investigate my correction request and not discharge your obligations to another credit provider.
If <Insert CP Name/s> and you are unable to confirm that I authorized the credit enquiries, I request that the entries be removed within the time frame as required by the regulators.
<Insert Full Name>
Please provide written communication only via this email: <Insert Your Email Address>