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Topics addressed on October 12, 2011:
Verifying who has checked your credit report
How do I verify that a company indeed checked my credit report?
All you have to do to verify a company checked your credit report is get a copy.
Every time someone, including you, checks your credit history an inquiry is added instantly. Your personal credit report lists all of the inquiries, including some not seen by anyone else.
There are two types of inquires, sometimes referred to as hard inquiries and soft inquiries.
Hard inquiries result from your application for credit or other services. Because they represent potential new debt, they are shared with lenders and can have a small impact on credit scores. However, the impact of inquires is very minimal as compared to other factors, and their impact decreases over time.
Soft inquiries are shown only to you. They include checks of your credit history by your existing lenders as part of their portfolio review process. You will also see inquiries for prescreened credit offers, employment purposes, insurance purposes, and your own requests in the soft inquiry list.
You can request your personal report free once every 12 months at www.annualcreditreport.com. If you want to track changes to your report and be alerted to new information you can subscribe to a credit monitoring service, like Experian’s FreeCreditScore.com and get unlimited access to your report and any inquiries.
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- The "Ask Experian" team