How Does DIY Credit Help with Inquiries? – Hard & Unauthorized Checks

Modified on Sun, Oct 19, 2025 at 2:26 PM

There are two types of credit inquiries:

  • Hard Inquiries – Can affect your score if excessive.

  • Soft Inquiries – Do not affect your score.


How DIY Credit helps:

  1. Identify unauthorized or duplicate hard inquiries.

  2. Provide ghost-written inquiry dispute letter templates (you handle the mailing).

  3. Coach you on communicating with creditors & bureaus about inquiry proof.

  4. Educate you on managing future applications to minimize impact.


Unauthorized inquiries can often be removed, giving you a score boost.



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