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The Hard Inquiry Removal Letter is a crucial document used when an individual discovers unauthorized or incorrect hard inquiries on their credit report in Pakistan. These inquiries, which can impact credit scores, must be disputed through formal channels as established by the State Bank of Pakistan and the Credit Bureaus Act, 2015. The document becomes necessary when consumers identify credit checks they didn't authorize, suspect fraudulent activity, or find duplicate inquiries. It should contain detailed information about the disputed inquiry, personal identification details, and supporting evidence. The letter must follow specific formatting and content requirements as per Pakistani banking regulations and consumer protection laws. This document is particularly important as hard inquiries can affect an individual's credit score for up to two years, potentially impacting their ability to obtain financial services.

1. Sender's Information: Full name, address, CNIC number, and contact details of the person requesting the removal

2. Credit Bureau Information: Name and address of the credit bureau being contacted

3. Account Identification: Credit report number or reference number and any relevant account identifiers

4. Inquiry Details: Specific details of the hard inquiry being disputed, including date and inquiring entity

5. Request Statement: Clear statement requesting removal of the hard inquiry and brief reason

6. Explanation: Detailed explanation of why the inquiry should be removed (unauthorized, fraudulent, duplicate, etc.)

7. Action Request: Specific actions being requested from the credit bureau

8. Closing: Professional closing statement, signature, and date