A creditor is supposed to run the credit ONCE when you apply for a loan. If your client end up with several hard inquiries, especially AFTER they approved or declined the application, you can request that the CRA re-classify the inquiry.
The FCRA requires that only application for credit or collection inquiries can be reported to 3rd parties.
Here’s a a sample generic dispute. Make sure that your auto and mortgage inquiries are properly coded as such.
[creditor/collector] [date]
To Whom It May Concern:
As per [credit bureau], you obtained my credit report on [date – list all dates if multiple inquiries]
I am not aware of having applied for credit, insurance, employment or anything else with you.
What was your permissible purpose?
Please respond by (date – 20 days?) If you fail to respond, I will have to assume that you did not have a permissible purpose.
Sincerely,
_______________________________________________________
To Whom It May Concern:
Please immediately stop reporting the [date] credit inquiry by [creditor] to 3rd parties. [Creditor] ran my credit again after they already [approved/declined] my application.
Sincerely,
[your name / signature]