Posts Tagged ‘ inquiries ’

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[ READ MORE ]

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[ READ MORE ]

“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 [ READ MORE ]

Inquiries can be removed only if fraudulent

Dear Experian, Can inquiries be removed from your credit report? -VNT[ READ MORE ]

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[ READ MORE ]

Why inquiries can change credit scores

Dear Experian, Why does my score change with inquiries? - ADM[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

Verifying who has checked your credit report

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

Inquiry for employment will not affect credit scores

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

“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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

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[ READ MORE ]

Inquiries by existing creditors won’t hurt your credit scores

Dear Experian, There are numerous credit checks performed by credit card companies I'm not active with. Does this lower my score? - JRR[ READ MORE ]

How to find out who has requested your credit report

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 inquiry removed, and will that help my credit score? - CKY[ READ MORE ]