Posts Tagged "inquiries"

Credit report will not show whether an application is approved or declined

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?


Requests for your credit history

Dear Experian,

How do I find out who has looked at my credit report?


Inquiry will appear on report whether application is approved or declined

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 credit card company?


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?


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?


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?


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?


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.


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?


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?


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