<prompt> Human: We met with a Wells Fargo rep to discuss a personal loan. We provided him with a our salary numbers, but also mentioned that I do work on the side, but didnt provide specific numbers. We agreed to think about what type of loan to apply for.The next day, I emailed the rep saying that Id like to move forward with a personal line of credit. What are the next steps?. He responds that hes submitted the app and weve been declined.Should I fight this to get the declined application removed from my credit report? I never signed anything and hadnt actually given him all of my income numbers.Assistant: If you inquired about credit, theres nothing to fight.You inquired about credit. It shows up as a credit inquiry. Are you saying that you did not inquire about credit, that the first paragraph of your OP is a lie? Or you did in fact inquire about credit, meaning you are thinking of asking Wells Fargo to lie? Human: I met with a rep to inquire about my options. We discussed different kinds of lines of credit and loans. The next day I emailed him saying what kind of line of credit we wanted to pursue and he immediately submitted an application on our behalf. He did not have accurate income numbers as we hadnt provided him everything yet and he was aware of this. And we also did not ever sign an application of any kind.I have no idea why you think Im lying or Im asking Wells Fargo to lie. I had not yet provided them with all of my information or my signature and they submitted an application that was denied. Would it have been denied and become a black mark on my credit if theyd included the additional 15k of income that I make on the side? I dont know because I never had a chance to give them those numbers.  <response>: What black mark? A credit inquiry is not a black mark, it is a credit inquiry. From what youve said, you literally and physically walked in and inquired about credit. You have nothing to contest. You inquired about credit. 