Posts Tagged "inquiry"

Dealership pulled copy of credit report in error

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 employee at the dealership who pulled it admitted that he did this and did not have my consent. What should I do?


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?


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?


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?


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?


One inquiry can be “too many”

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 my score very much? Even if it is not, why are they using that as part of their scoring system for me?


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?


FCRA restricts who can get your credit report

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?


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.


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