I need a complete step-by-step guide on how to successfully negotiate with bureaus to remove legitimate hard inquiries that were bundled incorrectly during a mortgage preapproval.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I need a complete step-by-step guide on how to successfully negotiate with bureaus to remove legitimate hard inquiries that were bundled incorrectly during a mortgage preapproval.
3 real searches · 1 real-search pass
CFPB dispute credit report hard inquiry unauthorized inaccurate inquiry FCRA investigation 30 daysGoogle ↗
OBSERVED
FCRA permissible purpose hard inquiry mortgage application duplicate inquiry credit bureau dispute official FTC CFPBGoogle ↗
OBSERVED
FICO mortgage rate shopping inquiries 45 day window hard inquiries credit report scoring officialGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
CFPB dispute credit report hard inquiry unauthorized inaccurate inquiry FCRA investigation 30 days Google ↗
FCRA permissible purpose hard inquiry mortgage application duplicate inquiry credit bureau dispute official FTC CFPB Google ↗
FICO mortgage rate shopping inquiries 45 day window hard inquiries credit report scoring official Google ↗
- FCRA Section 611 · uscode.house.gov
- CFPB dispute guidance · consumerfinance.gov
- AnnualCreditReport.com · annualcreditreport.com
- Submit an Experian dispute · experian.com
- Submit an Equifax dispute · equifax.com
- Submit a TransUnion dispute · transunion.com
- How long does it take to repair an error on a credit report? · consumerfinance.gov
- How do I dispute an error on my credit report? · consumerfinance.gov
- 15 U.S.C. § 1681i: Procedure in case of disputed accuracy · uscode.house.gov
- Submit a CFPB complaint · consumerfinance.gov
- What if I disagree with the results of my credit report dispute? · consumerfinance.gov
- Credit and consumer reporting complaint notice · consumerfinance.gov
- CFPB mortgage credit inquiries · consumerfinance.gov
- myFICO rate-shopping explanation · myfico.com
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
CFPB dispute credit report hard inquiry unauthorized inaccurate inquiry FCRA investigation 30 days OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FCRA permissible purpose hard inquiry mortgage application duplicate inquiry credit bureau dispute official FTC CFPB OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FICO mortgage rate shopping inquiries 45 day window hard inquiries credit report scoring official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |