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Credit report guide

Hard Inquiry Dispute

Review whether a hard inquiry was authorized or recognizable.

Step 1

Identify the company, inquiry date, bureau, and any related application or prequalification activity.

Step 2

Some inquiries can be legitimate even if the displayed company name is unfamiliar, so research the furnisher name before disputing.

Step 3

Track inquiry dates and responses in one place to avoid repeat or unsupported letters.

Important note

This guide is educational and does not provide legal, credit, or mortgage advice. FixMy.Money helps organize credit-report workflows and does not promise score changes, deletions, or approvals.