How to Dispute Inquries on My Credit Report

Your credit report is the basis for financial decisions lenders and creditors make on your behalf based on information contained within. Credit reports need to be reviewed on a regular basis to check for errors and inaccurate information. You have the right to dispute or question anything on your credit report that you believe to be listed in error. Disputing inquiries made to your credit report is a way to keep tabs on who has been reviewing your information.

Instructions

1

Request a copy of your credit report from each of the three main credit reporting agencies: Equifax, Experian and TransUnion. Review and read through all information contained in each report and highlight any errors you notice. Pay attention to credit report inquiries made to your credit and note the names of each individual or entity that made the request.

2

List all inquiries to your credit report that you do not remember or you are disputing. List the name and all contact information of the company performing the inquiry and list the date of the credit inquiry.

3

Write a letter to all three credit reporting agencies. List your full name, address, contact information and Social Security number. State that you are disputing inquiries made to your credit report by the following entities and then list each one and the date the inquiry was made. Make a copy of the letter before sending to each agency.

4

Mail the letters and follow up by phone or mail in six to eight weeks after sending your letter. Request a copy of your revised credit report to show that the changes and disputes have been noted on your account. Keep a list of the businesses and entities in question who made inquiries to your credit report without your knowledge or permission and monitor your report to see if they appear again.