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The Hard Inquiry Removal Letter is a crucial document within the UAE's credit reporting system, designed to protect consumer rights under Federal Law No. 6 of 2010 and UAE Central Bank regulations. This document is typically used when an individual discovers unauthorized or incorrect hard inquiries on their AECB credit report, which may negatively impact their credit score. Hard inquiries occur when financial institutions check an individual's credit report for lending decisions, and unauthorized or erroneous inquiries can remain on the report for up to two years. The letter must contain specific information required by AECB for investigation, including personal identification details, inquiry information, and the basis for removal request. The document follows strict UAE regulatory requirements and must be accompanied by supporting documentation to substantiate the removal request.

1. Sender Information: Full name, Emirates ID number, contact details, and current address of the person making the request

2. Date and Reference Number: Current date and any relevant reference numbers for tracking purposes

3. Recipient Information: Official name and address of the Al Etihad Credit Bureau or relevant financial institution

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

5. Account Identification: Credit report details, including the date of the inquiry and the name of the inquiring institution

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

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

8. Reference to Attachments: List of supporting documents included with the letter

9. Closing Statement: Request for timely response and contact information for follow-up