Mortgage Hard Inquiry Dispute Letter Template

Use this template as a starting point for disputing unauthorized hard inquiries that are affecting a mortgage application. Customize the facts, inquiry names, dates, and bureau information before sending.

[Your Name]
[Your Address]
[City, State ZIP]
[Date]

[Credit Bureau Name]
[Credit Bureau Address]

RE: Unauthorized hard inquiry dispute affecting mortgage application

To Whom It May Concern:

I am disputing the following hard inquiry or inquiries because I did not authorize the credit access, or the inquiry otherwise lacked permissible purpose under the Fair Credit Reporting Act. These inquiries are currently affecting my mortgage application and should be investigated immediately.

Disputed inquiry/inquiries:
[Creditor/Lender Name]
[Inquiry Date]
[Credit Bureau Showing Inquiry]

Please investigate and remove any inquiry that cannot be verified as properly authorized and supported by permissible purpose.

Sincerely,
[Your Name]