Credit Report Disputes Credit Score

How to Dispute a Hard Credit Inquiry

Written by John Ulzheimer

An inquiry is the term used in the world of credit reporting to describe the record of someone pulling or accessing a copy of your credit report. There are two type of inquiries; soft and hard. The actual record of the inquiry is very simple contains only two pieces of information. First, the inquiry shows the data of the access into your credit report. Second, the inquiry identifies the company or party that did the accessing.

Soft inquiries, such as those that occur when you check your own credit reports, are nothing to worry about from a credit score perspective because nobody sees them but you. However hard inquiries, such as those that occur when a lender checks your credit, do have the potential to negatively impact your credit scores. If you pull your credit reports (remember, that’s a soft inquiry) and discover hard inquiries that you do not recognize it can be somewhat upsetting. Your credit scores could potentially be damaged by inquiries that you did not authorize.

Because of your rights under the Fair Credit Reporting Act (FCRA) you are able dispute information on your credit reports which you believe to be incorrect or caused by fraudulent activity. This means that you have the right to dispute anything including accounts, collections, public records, and, you guessed it, inquiries. In fact, inquiries that you do not recognize should be disputed since they are sometimes a sign of identity theft. Here’s how…

Dispute Process

The dispute process for a hard credit inquiry is essentially the same as any other type of credit dispute. In case you are not familiar with the credit dispute process afforded to you under the FCRA, here is a brief overview.

  1. Initiate the Dispute

    To begin the dispute process you have to notify the credit reporting agencies (CRAs) – Equifax, Trans Union, and/or Experian – that you disagree with information on your credit reports. You can initiate your dispute via mail, online, over the phone, or even by fax.

  2. The Investigation and Verification

    The CRAs contact the company (aka data furnisher) who is reporting the allegedly false information on your credit reports. The data furnisher either confirms the information is accurate or, if the data furnisher agrees that incorrect information is being reported, requests that the information be updated or deleted.

About the author

John Ulzheimer

3 Comments

  • Hello,my name is Eric and concerned about my score its all bad and I’ve never had a credit card one thing I’ve had was a phone and bill from version. That was 6 years ago and just recently applied at pep boys (on good).They haven’t updated my score.And can get them to I give my info and they don’t believe me. Help Thankyou Eric Knight

  • You guys are very good at what you do everything is so informitive i got my credit up fomr 612 to 668 ans 671 but cant get it ant hifher ans i did not do experian yet but thanks ill probably be calling you for morw boost have a nice day

  • I think you and I both know that disputing a hard inquiry with the credit bureaus is a waste of time. You have to dispute directly with the original creditors.

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