Two inquiry entries can reflect separate applications or reporting artifacts. Compare dates, company names, and application records.
Two inquiry entries can reflect separate applications or reporting artifacts. Compare dates, company names, and application records.
Practical next step
Ask the company whether it made two requests and why. If one entry lacks a permissible connection to you, document the answer and dispute the inaccurate inquiry.
Verify the result
Keep the original report or statement, your supporting records, and any response. Compare the same account and dates after the next update. Accurate information generally cannot be removed just because it affects a score.
Further reading and tools
Official guidance: https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/ CreditAhead resource: https://disputes.safeskyconsulting.com/
Use CreditAhead's free DIY guide
Get the A-to-Z PDF for a structured approach to checking credit information.
This article shares general tips. It is not legal or money advice for your own situation. Results are different for each person.
