A hard inquiry is recorded on your consumer file each time a lender or financial institution requests access to your borrowing history as part of an application review. Unauthorized or inaccurate inquiries may negatively impact your financial standing and your ability to access lending products.
If your consumer file contains inquiries you do not recognize or did not authorize, a dispute specialist may be able to help you challenge those entries with the relevant consumer reporting agencies and work toward having them removed.
Free consultation. No upfront fees.
Serving clients across the United States.
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Disputing inquiries that were placed on your consumer file without your knowledge or consent.
Professionally prepared dispute correspondence directed to the relevant consumer reporting agencies.
Filing formal disputes with Equifax, Experian, and TransUnion to challenge inaccurate or unauthorized entries.
Assessing how existing inquiries may be affecting your borrowing profile and financial standing.
Guidance on steps to protect your consumer file from unauthorized access and future inaccurate entries.
Continued assistance through the dispute process until a resolution is reached with the reporting agency.
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Inquiries appear on your consumer file that you do not recognize
You did not authorize a lender to access your borrowing history
Multiple inquiries are impacting your ability to access lending products
A lender declined your application due to excessive inquiry activity
You suspect your consumer file has been accessed without your consent
Get help reviewing inaccurate, misleading, outdated, duplicate, or unverifiable information appearing on your consumer file.
Challenge charge-off entries that may be reported incorrectly, duplicated, outdated, or lacking proper verification.
Review hard inquiries that may have been placed without authorization or by lenders you do not recognize.
If reporting errors are affecting financing, housing, employment screening, or other important decisions, prompt review matters.
Your submitted information is reviewed carefully and handled with discretion so the issues on your file can be assessed properly.
This may include duplicate accounts, mixed files, identity theft-related reporting, incorrect balances, and unresolved disputes.
Understand what issues may be challenged, what supporting information may be needed, and what dispute options may apply to your situation.
Intake team reviews your submitted consumer file information
Specialist evaluates which inquiries may be disputed or removed
Follow-up may occur to gather additional documentation
Options are explained clearly
You decide how to proceed β no obligation
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