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A slew of hard inquiries can add up, so here are a couple of tips for keeping their effects at bay:. A hard inquiry with unknown origins could be a sign of identity theft.

Or it could simply be due to a reporting mistake. Regardless, you should get the inquiry taken off your report. Try contacting Dell Financial Services or WebBank to inquire about the inquiry, letting them know about the situation.

Whether you suspect identity fraud or a reporting error, your next step should be to file a dispute with the bureaus. Since lenders can obtain any one of your credit reports, make sure to check all three Experian, Equifax, and Transunion , to see which ones have been hit with an inquiry from DFS.

From there, you need to file a dispute with each bureau displaying the hard inquiry on their report. You can write a letter of dispute to the bureaus or submit one online. Once you submit your dispute, the bureau should open an investigation.

The Fair Credit Reporting Act gives bureaus 30 days to investigate. If fraud or erroneous reporting are detected, the entry will be deleted from your report. Dealing with an unauthorized hard inquiry on your credit can be stressful and scary. There are steps you can take to help protect yourself and your credit if you find yourself in this situation.

Consider these five tactics. As an authorized user, the account activity will likely be reflected in your credit reports as well. Getting added to an account as an authorized user is one way you can build credit especially if the primary account holder has stellar credit. The downside is that if the primary cardholder misses a payment or has a high utilization rate, there could actually be a negative impact on your credit. In some cases, your bad credit may result in a higher interest rate but you will still be able to get the financing you need to buy your laptop.

When pre-qualifying for a Dell Preferred Account, your credit report is requested from a credit reporting agency. Your credit will be pulled at the time of submission. There is no minimum Fingerhut credit score needed to obtain one of its credit accounts. These accounts allow you to purchase goods and services at Fingerhut and selected partners.

If you make your payments on time each month, you can establish a positive credit history which can boost your credit score. Hard inquiries will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.

A soft inquiry occurs when a creditor checks your credit without your permission. Sometimes a soft inquiry might even be pulled by an existing creditor just checking on your current credit situation.