Free Hard inquiry Section 604 Dispute Letter Template
Unauthorized hard inquiries hurt your credit score. Download this free dispute template to remove them!
What is a hard inquiry?
Definition: When you apply for a loan, your lender will check your credit report. Different from a soft inquiry – which has no impact on your credit, a hard pull is used by a lender to determine if you meet their qualification criteria for a loan, such as an auto loan. Hard inquiries will temporarily hurt your credit score by a couple of points
How long do they stay on my report?
Hard inquiries fall off of your report completely after just 2.5 years. Your score will typically bounce back a few months after the inquiry appears.
What is a hard inquiry section 604 dispute letter?
Section 604 refers to the Fair Credit Reporting Act which says a hard inquiry can only be performed with a permissible purpose. This purpose typically requires explicit permission from you, the consumer. If this explicit consent was not given, the inquiry is unauthorized and can be removed by mailing a filled out copy of the above template to each of the three major credit bureaus.
Should I care about hard inquiries?
Hard inquiries impact your credit score much less than other hurtful items such as late payments, collections, and charge-offs. It's best to prioritize these more hurtful items.
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