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The Hard Inquiry Removal Letter is a crucial document in South African consumer credit practice, used when an individual discovers unauthorized or incorrect hard inquiries on their credit report. These inquiries, known as "hard pulls," can negatively impact credit scores and remain on reports for up to two years. The letter is drafted in accordance with the National Credit Act and POPIA, providing a formal mechanism for consumers to dispute such inquiries. It should be used when an individual hasn't authorized a credit check, notices duplicate inquiries, or identifies potentially fraudulent credit checks. The document typically includes personal identification details, specific information about the disputed inquiry, relevant legal references, and may be accompanied by supporting documentation such as identity verification and credit report excerpts. In South Africa, credit bureaus are required to investigate and respond to such disputes within prescribed timeframes.

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

2. Date: Current date of letter composition

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

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

5. Reference Numbers: Any relevant credit report or dispute reference numbers

6. Opening Statement: Formal introduction and purpose of the letter

7. Inquiry Details: Specific details about the hard inquiry being disputed, including date and organization

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

9. Legal Rights Citation: Reference to relevant sections of the National Credit Act and POPIA

10. Closing: Professional closing with expected timeframe for response

11. Signature Block: Space for signature, printed name, and contact information