There are two kinds of inquiries that can occur on your credit report:
Hard inquiries and Soft inquiries. While both types of credit inquiries enable a third party, such as you or a lender, to view your credit report, only a hard inquiry can negatively affect your credit score.
What is a Hard Inquiry?
Hard inquiries occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision.
For example, hard inquiries commonly take place when a consumer applies for a loan, credit card, or mortgage. You typically have to authorize a hard inquiry.
Most important to note, hard inquiries will lower your credit score by a few points and remain on your credit report for two years. As time passes, the damage to your credit score will decrease until the hard inquiry falls off your credit report.
What is a Soft Inquiry? Soft inquiries occur when a person or company checks your credit report as a background check, such as when a potential employer checks your credit, when you are "pre-approved" for credit card offers, and when you check your own credit score. A soft inquiry can occur without your permission.
Soft inquiries may be recorded in your credit report, depending on the credit bureau, but they won't affect your credit score in any way. -via CreditKarma.com
・・・ It's ALWAYS best to dispute an inquiry with the creditor who pulled your credit report. Once you get the letter of deletion, simply mail it to the credit bureaus. 😎