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Inquiry

When someone checks your credit report, it’s called an inquiry. Some inquires do not affect your credit, while others might.

Soft Inquiries

Lenders do not see soft inquiries when they order your credit report. Soft inquiries include:

  • Pre-screened offers for credit
  • Account reviews by your existing lenders
  • Requests related to employment
  • Requests for insurance purposes
  • When you request your own credit report

Hard Inquiries

Hard inquiries typically come from a lender or other creditor who wants to check your credit report as a result of your loan application or request for credit, goods or services. These inquiries are shared with other lenders viewing the report and can have an impact on credit scores and lending decisions.

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Dear Experian, How do I find out who has been inquiring about my credit? If there are people that I never applied for credit with, can I get the...

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Dear Experian, I recently found out that a car dealership pulled a hard inquiry on my credit without my consent. I also had a password protected account with them. The...

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Dear Experian, I have requested a credit line increase from my credit card company three times, and have been declined each time. Does this affect my credit history? - GSR

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November 14, 2014

Dear Experian, How do I find out who has looked at my credit report? - GDS

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Dear Experian, Should the hard inquiry I have on my credit report from applying for credit be removed if I ended up getting approved and establishing credit with the...

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Dear Experian, Can anyone obtain a credit report on anyone else if they are not a lending company of any kind? There is an argument going on a message board...

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August 20, 2013

Dear Experian, I have been applying for work at employment agencies. They want my permission to conduct a credit check. My concern is that I was told in the past...

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August 20, 2013

Dear Experian, How do I know who is checking my credit reports? Can anyone check my credit? Do you keep a list of these people? I think my neighbor knows...

One Inquiry Can Be “Too Many”

August 20, 2013

Dear Experian, I am confused as to why I have only one inquiry on my report but all three bureaus say “too many inquiries last 12 months." Is this affecting...

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August 16, 2013

Dear Experian, 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? - TDO

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Dear Experian, Who can access my credit report? Do they have to have my permission? Is there anything you can do to prevent someone from accessing my credit report? - NNH

Insurance Inquiries Do Not Affect Credit Scores

August 12, 2013

Dear Experian, I am shopping for car insurance. All of the insurance companies want to check my credit report. What impact will this have on my credit report? - JNI