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A hard inquiry happens when a company checks your credit report because you have applied for credit. You can dispute hard inquiries you didn’t authorize, but you cannot remove legitimate credit ...
Hard credit inquiries, sometimes called hard pulls or hard credit checks, take place when you request a new line of credit or begin the process of taking on a major financial commitment.
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Hard inquiries can, but do not always, affect the borrower's credit score. Keeping credit inquiries to a minimum can help a person's credit rating. A lender may perceive many inquiries over a short period of time on a person's report as a signal that the person is in financial difficulty, and may consider that person a poor credit risk.
In Britain, Salmon Letters are official letters sent out by a public inquiry to people that will be subject to criticism when that inquiry's report is released. The aim of the letter is to give the person a chance to prepare for the resultant exposure and possible legal recourse which may need to be taken when allegations against them become public. [1]
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