The situation is different if you didn’t authorize the hard credit check. If this is the case, you can — and should — take steps to remove the inquiry from your report. 1. Notify the ...

If your creditor does not willingly remove the inaccurate collections report — according to Section 609 of the Fair Credit Reporting Act (FCRA) — you can dispute the accuracy of reports on ...

If a collection agency bought your 10-year-old retail card debt and has started putting it on your credit report with a different date, for example, you may be able to remove that collection item ...

NEW YORK CITY, NY / ACCESS Newswire / June 26, 2025 / When inaccurate or outdated collection accounts show up on a credit report, the consequences can be immediate, from denied loans, increased ...

Why It’s Important to Check Your Credit Report About 13 percent of consumers have errors that affect their credit scores, the number that’s created using the information found in the report ...

Key takeaways A hard inquiry happens when a company checks your credit reports because you have applied for credit. You can dispute hard inquiries you didn’t authorize, but you cannot remove ...

3. Wait for a response After filing a dispute, the credit bureau has 30 days to investigate your claim. During that time, the bureau will contact the creditor that reported the hard credit check.

For no charge, you can get an updated report every 30 days, new inquiry alerts, credit score tracking, access to an online tool to review and dispute your Experian credit report, and the ability ...