Response from eloan: You are right that the use of your credit report to provide your credit score should not have resulted in a hard inquiry on your credit report. This was a credit reporting agency clerical error, which they are in the process of correcting. The hard inquiry will be completely removed from your report within the next few days. We apologize for this error, and we are making every effort to have the error corrected as soon as possible. We appreciate your patience, and we will let you know as soon as we confirm that the correction has been made.