 TITLE: Understanding Your Experian Credit Report CONTENT: Credit Inquiries\n----------------\nWhen applying for credit or financing, or as a result of a collection attempt, a hard inquiry may appear on your credit report. Hard inquiries stay on your credit report for two years. Soft inquiries are usually initiated by others, such as companies making promotional offers of credit or your lender conducting periodic reviews of your existing credit accounts. Soft inquiries also occur when you check your own credit report or when you use credit monitoring services from companies like Experian. These inquiries do not impact your credit score. Soft inquiries are not disputable but are available here for reference.\nInquiries are not currently disputable online through the Dispute Center. If you believe an inquiry is the result of identity theft, the inquiry can be disputed by phone with the help of an Experian Specialist. You can find the support number at Experian's Dispute Center. Here's how inquiries will appear on your credit report: END