Templates and scripts for addressing hard inquiries you did not authorize or that are outdated.
An inquiry from an application you made with your permission is accurate, and accurate inquiries generally remain for their reporting period. The kit focuses on inquiries you did not authorize, duplicates, or ones from identity theft — where a correction is appropriate.
'I'm calling about a hard inquiry dated [date] on my [bureau] report. I don't recognize authorizing this. Can you confirm what application it is tied to and, if none exists, send written confirmation that it should be removed?' Write down the representative's name and a reference number.
Excerpts are from the actual product files. Educational use only; not legal, tax, or financial advice. You may dispute inaccuracies with the bureaus yourself at no cost.
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