704
Score Before
713
Score After
+9
Points Gained
4
Days to Result
Isabel Pelayo Pelayo
North Hills, California
Verified ClientBefore
704
April 27, 2026
After
713
May 1, 2026
“I couldn't believe it — 10 unauthorized hard inquiries were deleted from my TransUnion report in just 4 days. My score went from 704 to 713 immediately. The dispute letters were incredibly thorough and professional. I had tried other services before and nothing worked this fast.”
Isabel Pelayo Pelayo
Verified Client — North Hills, CA
Laws Applied
FCRA § 609
15 U.S.C. § 1681g
Requires credit bureaus to disclose the sources of information and provide verification upon consumer request.
FCRA § 611
15 U.S.C. § 1681i
Requires bureaus to investigate disputed information within 30 days and correct or delete inaccurate items.
FCRA § 604
15 U.S.C. § 1681b
Defines permissible purpose — entities must have written consumer authorization before accessing credit reports.
Complete Case Timeline
4-Day TurnaroundTransUnion Report Pulled
Identified 10 unauthorized hard inquiries on Isabel's credit report across the last 6 years. Dates: 5 from 2020, 4 from 2023, and 1 from 2024. Initial score recorded: 704.
FCRA § 609 Round 1 Disputes Sent
10 certified dispute letters sent to TransUnion citing FCRA § 609 (15 U.S.C. § 1681g). All letters sent via USPS certified mail with return receipt. Each letter individually requested verification documentation for each inquiry.
TransUnion Acknowledgment
TransUnion confirmed receipt of all 10 dispute letters and began 30-day investigation window. Case assigned reference numbers for each individual inquiry.
Round 2 — Method of Verification
Sent secondary verification letters to all 10 creditors directly. Requested specific documentation proving lawful pull authorization including: signed consumer consent forms, permissible purpose documentation, and creditor record verification.
TransUnion Results — 10/10 Deletions
TransUnion confirmed deletion of all 10 hard inquiries. Updated credit report reflects complete removal. Score updated immediately: 704 → 713. All 10 creditors failed to provide verification documentation within the FCRA-mandated timeframe.
Legal Foundation — FCRA § 609
This case leveraged FCRA § 609 (15 U.S.C. § 1681g), which requires credit bureaus to provide verification of reported items upon consumer request. When creditors cannot produce signed authorization documentation proving a permissible purpose under FCRA § 604, the inquiries must be deleted under federal law.
TransUnion investigated all 10 inquiries within the 30-day FCRA window. Not a single creditor was able to produce the required verification documentation. As a result, all 10 inquiries were permanently deleted from Isabel's credit report.
Key Legal Statute:
“Every consumer reporting agency shall, upon request, and subject to section 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer... the nature and substance of the information in the consumer's file...” — 15 U.S.C. § 1681g
How This Applies to You
Check Your Report
Pull your free TransUnion, Experian, and Equifax reports to identify unauthorized inquiries.
Document Everything
Each inquiry must have written consent. If the creditor can't prove it, they must delete it.
Use Certified Mail
Always send disputes via USPS certified mail with return receipt for legal proof.
Follow Up in 30 Days
Bureaus have 30 days to respond. If they don't, the item must be removed by default.