Posts Tagged ‘ inquiries ’

Multiple inquiries when shopping for an car loan

Dear Experian, I went car shopping one day and now there are lots of inquires that say they will be on my credit report until 2015. Is it right for all these inquiries to be on my report so long from just one day of shopping for a car? - RLM

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There is no limit on the number of credit cards you can have

Dear Experian, How many credit cards can I have? I have eight credit cards. I opened all of them within the last year (total $6,500), plus a loan for a car ($16,000). I am a housewife. My husband pays all my bills on time, but he keeps asking me to get new credit cards. I wonder if it's damaging my credit history or my credit score. Also, is it shown on my credit report if I apply for a credit card and I do not get approved? - ARY

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How to find out who is checking your credit report

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 everything about my finances. How is that possible? - HEP

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How to find out who has looked at your credit report and why

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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The effect on credit scores when you check your own credit report

Dear Experian, How often can I check my own credit without getting dinged for it? I do not want to affect my credit scores by over-checking. - NDQ

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You will not receive a notice to remove a fraud alert

Dear Experian, I have not been contacted to lift a fraud alert on my account to approve a recent credit inquiry. Should I receive a request to remove the alert when I apply for credit? - JWL

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Ordering your own credit report won’t hurt your credit scores

Dear Experian, Is there any way I can check my credit score without it hurting my score? How much does it hurt me to order my credit score? - KWS

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Multiple auto loan inquiries count as only one

Dear Experian, I was shopping for a car recently and multiple lenders checked my credit. I have checked my credit report and all inquiries are showing up. I thought when shopping for a car the inquiries count as one? - SLA

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“Requests viewed only by you” do not affect credit scores

Dear Experian, On my credit report in the section "Requests for your credit history summary,” there is a "Requests viewed only by you" section. One creditor has about 62 requests in the past two years, and I don't have an account with them. Does this affect my credit score every time they check my credit? Or, is this just for their records to send me offers and does not affect me? I did not apply for a credit card from them ever. - JYG

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Inquiries can be removed only if fraudulent

Dear Experian, Can inquiries be removed from your credit report? -VNT

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Unrecognized inquiries could be sign of fraud, but most often are not

Dear Experian, What do I do if I see a request for credit information from a company I am unfamiliar with? - LCF

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Why inquiries can change credit scores

Dear Experian, Why does my score change with inquiries? - ADM

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Inquiries can have small impact on credit scores

Dear Experian, I haven’t had negative activity on my credit report for over two years, and my score was recently 674. I applied for a credit card, and they did three hard inquiries but did approve me. Then right after I got the card my credit score went down eight points to 666. I called the creditor and they said they would put in a dispute for me. Can three hard inquiries cause your credit score to go down eight points, even though I was approved? - TCL

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Renewing pre-approved car loan likely will cause hard inquiry

Dear Experian, I applied and was approved for an auto loan through my credit union, which I have numerous accounts with - mortgage, savings, money markets, and credit cards. Twice I've let the preapproved loan expire and asked to have it re-approved. I have not made a decision on a car. Each time I have it re-approved I get a notice that includes my credit score. It's always really good. Am I harming my credit scores by letting the loan offer expire and resubmitting again? I need to do this for a third time (and this time I plan to use it!), but wondered how this fits into what you've told us before about inquiries with "existing creditors." - LGD

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Inquiries for multiple car loan applications cannot be removed

Dear Experian, While looking for a new car the auto dealer shopped the best rate for a loan, generating seven or eight hard credit inquiries, which have dropped my score. Can I have these hard inquiries removed? - DRL

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Impact of inquires from utilities, cable TV, rent, and cell phones on credit scores

Dear Experian, How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact credit scores since payment histories are never reported? - MDB

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Verifying who has checked your credit report

Dear Experian, How do I verify that a company indeed checked my credit report? - HOD

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Inquiry for employment will not affect credit scores

  • September 28th, 2011
  • Posted in Featured

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 that if too many people are doing credit checks on me, it signifies a problem and can reduce my credit scores. Is that true? - CICc

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Choosing between a motorcycle and an engagement ring

Dear Experian, I have been rebuilding my credit and would like to purchase a motorcycle and an engagement ring. If I apply for credit and get denied will my credit score go down and how long will the two remain on my credit report? - ENB

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Employer requesting your full Social Security number to access your credit report

Dear Experian, I have a possible future employer that wants my full Social Security number to pull my credit report. Can they do it without my full number? I have been a victim of ID theft so am very cautious about doing so. What type of information will they see? Will it be another bump on my credit? - SUS

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Personal report lists who has requested your credit report for two years

Dear Experian, I need to know who has inquired on my credit report. I have a copy of my credit report from a lender who denied me credit and it only shows the number of credit report inquiries. I want to know who has inquired and the dates they inquired. - DMO

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“Soft inquiries” are not an exception to access a frozen credit file

Dear Experian, Can a utility company still obtain my report with a "soft hit" on my credit, or is my information frozen and no information can be released with a state credit freeze on my account? A utility company told me they can still do a credit check on my account even when it has a freeze on it because they do a soft hit. - SMK

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Inquiries from existing creditors and for preapproved offers

Dear Experian, There is a string of inquiries made by credit card companies on my report. I did not authorize these. How can I get the credit card companies to cease and desist? How do we remove these from our report? - OYC

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Report shows all inquiries, but they may be counted as only one

Dear Experian, I was under the impression that if you sought after a specific type of loan, such as an auto loan, within a 10 day time frame that it would only post on your report once. However, one car dealer hit my credit three different times for the same auto loan application. Why are all three on my report? - KIR

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Impact on credit scores of inquiries for an auto loan

Dear Experian, I run an auto dealership that sells luxury automobiles. I understand that multiple inquiries within a "shopping" timeframe do not hurt an individual's credit score. Can you explain what the time frame is and any other tips we can pass along to our customers? - LLS

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