What is a hard inquiry, and how can it affect my credit?

A hard inquiry occurs when a lender or financial institution checks your credit report as part of their decision-making process. While a hard inquiry is necessary for certain types of credit applications, it can impact your credit score by a few points. If you notice an unauthorized or inaccurate hard inquiry, you can dispute it to potentially improve your score.

How do I dispute a collection account on my credit report?

If you believe a collection account is inaccurate, outdated, or wrongly reported, you can dispute it with the credit bureaus or the collection agency. We provide a professionally written letter to help you challenge the entry and work toward removing the incorrect account from your credit report.

What is a factual dispute, and when should I use it?

A factual dispute involves challenging inaccurate information on your credit report that doesn't match your records. This could include incorrect balances, dates, or account details. If you notice discrepancies on your credit report, submitting a factual dispute can help correct the errors and improve your credit score.

How do I correct personal information on my credit report?

If there are inaccuracies in your personal information, such as your name, address, or date of birth, you can submit a personal information dispute. This ensures that your credit report accurately reflects your details and helps prevent potential fraud or confusion in the future.