Hard Inquiry Removal Letter Template for the United Arab Emirates

A Hard Inquiry Removal Letter is your formal request to remove unauthorized, incorrect, or expired credit inquiries from your Al Etihad Credit Bureau (AECB) report in the United Arab Emirates. When financial institutions check your credit for loan applications or credit card approvals, these "hard inquiries" can impact your credit score and remain visible on your report for up to two years under UAE regulations.

When do you need this document?

You need this letter when you discover unauthorized credit checks on your AECB report that you never consented to, or when you find inquiries from financial institutions you never applied with. This commonly occurs during identity theft situations, when banks make errors in processing applications, or when inquiries exceed the two-year retention period mandated by Federal Law No. 6 of 2010. Real estate agents, car dealers, or other third parties sometimes request credit checks without proper authorization, requiring formal removal requests. You also need this document when multiple inquiries from the same institution appear for a single application, which violates AECB guidelines for reasonable inquiry practices.

Key legal considerations

Your removal request must include specific identification information required by AECB, including your full Emirates ID number, current address, and detailed information about each disputed inquiry. The letter should clearly state the legal basis for removal, whether due to lack of consent, fraud, or regulatory violations under UAE Central Bank regulations. You must provide supporting documentation such as police reports for fraud cases, correspondence with financial institutions, or proof that inquiries exceed statutory time limits. AECB has 30 days to investigate your dispute under their guidelines, and financial institutions must respond to verification requests within this timeframe. If your dispute is successful, the inquiry must be permanently removed and cannot be re-added without new authorization.

Legal requirements in United Arab Emirates

Under Federal Law No. 6 of 2010 and UAE Central Bank Circular No. 3375/2020, you have the right to dispute inaccurate credit information and request removal of unauthorized inquiries. Your letter must be submitted to AECB's official dispute resolution department with all required documentation clearly referenced. The UAE Consumer Protection Law provides additional rights to accurate credit information and establishes your right to dispute resolution mechanisms. Financial institutions conducting credit inquiries must obtain proper consent and maintain records of authorization under AECB regulations. If AECB fails to investigate or remove valid disputes, you can escalate to the UAE Central Bank's consumer protection department for further review and enforcement action.