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Topics addressed on January 9, 2008:
How to find out who has looked at your credit report and why
I got a call from Sallie Mae telling me someone had pulled my credit report. How do I find out who that was and why?
All you have to do to find out who has looked at your credit report and why is get a copy of your report directly from Experian.
Every time a business accesses your credit report Experian adds an inquiry to your report. An inquiry is simply a record of who has requested your credit report. An inquiry remains on your credit report for two years.
When you get your credit report you will see all of the inquiries listed. They will include the name of the organization and the date of the access. The inquiry could say auto inquiry if it was for a car loan or mortgage inquiry if it was for a home loan, but for general credit the type of loan may not be identified.
On your personal report you also will see a list of inquiries made for employment purposes, insurance purposes, to send preapproved credit offers, and as a record of when you have viewed your own report. These inquiries only appear on your personal report. They are not provided to lenders and do not affect credit scores.
Thanks for asking.
- The "Ask Experian" team