I am following this classroom guide. I currently have 2 hard inquiries on Experian. These are the result of applying for credit with 2 banks in the past month. Both applications were denied, so I dont have any open or closed accounts with these banks. When I call Experian up and say that I "noticed unauthorized inquiries on my report or I noticed someone applied for something in my name", am I telling them the truth? Because I did apply for funding. But I never actually asked them to run hard inquiries. Maybe there was checkbox agreeing to hard inquiries but I cant recall. But one thing is for certain: I never gave the credit reporting agency permission to collect personal information on me.

I have a question… if navy fed did a hard pull on my account for a car loan can they use that same inquiry for credit card loans and other loans like a personal loan???

Do we have to unfreeze Equifax, TransUnion, and Experian before disputing? I’m receiving letters stating that I don’t have a credit report.

I’m about to send off my round 1 letters. Should I separate each account into its own letter or should I group them all into one letter?

Question family, how will TransUnion know which inquiry needs to be deleted if they never asked me which one I was disputing. They just told me to check back in 24 hours . Should I not worry about it ?