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 legitimate credit ...

TransUnion, one of the three largest credit bureaus in the U.S., has agreed to a $23 million class action settlement to resolve claims it failed to remove disputed hard inquiries from consumers' ...

Have you recently come across the name Factual Data on your credit report and wondered what it is? Factual Data isn’t a lender or service provider like some other entries on your report. Instead, it’s ...