Classify the inquiry
Confirm whether it is hard or soft, the date, the company name, and whether it connects to an application you made.
// practical playbook
An unfamiliar inquiry is a security question first and a credit-report question second.
Educational information, not legal or financial advice. Verify deadlines and requirements with the relevant agency, creditor, court, or a qualified professional.
// action plan// 01 // 02 // 03 // 04
Contact the company
Ask the listed company to identify the application and authorization. Use known contact information, not links from suspicious messages.
Secure your files
If you suspect identity theft, freeze all three reports and create an IdentityTheft.gov recovery plan.
Dispute unsupported reporting
Send the bureau and company the specific facts and identity-theft documentation when applicable. Do not use a generic “609 loophole” claim.
// before you act
Use this checklist.
- Check alternate company names and dealer/lender shopping windows.
- Freeze Experian, Equifax, and TransUnion separately.
- Change compromised credentials.
- Keep the inquiry date and dispute result.