The Hard Inquiry Dispute Kit (U.S. Based)

Learn how to review and respond to unauthorized or inaccurate credit inquiries.

Hard inquiries appear on your credit report when a company checks your credit — typically when you apply for a loan, credit card, apartment, or other financial product. While some inquiries are legitimate, others may be unauthorized, inaccurate, or a result of fraud.

This educational kit walks you through how to review your credit report for inquiry errors, understand your rights under the Fair Credit Reporting Act (FCRA), and communicate with the credit bureaus or companies involved.

This product is for educational and informational purposes only. It is not legal advice and is not intended to function as a credit repair service. Results are not guaranteed. Always consult a licensed professional for advice specific to your situation.