Posts Tagged ‘ inquiry ’

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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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? - CIC

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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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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? - MOR

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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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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? - NNH

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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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“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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Inquiry from leasing company cannot be removed

Dear Experian, A leasing company pulled a credit report on my wife and me without our authorization. How do we have that inquiry removed from our record, and what recourse do we have against the leasing company? - ALJ

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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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Creditors might be able to use a credit report to locate you

Dear Experian, Can creditors find you through a credit check? - DMW

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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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Declination notice received after withdrawing loan application

Dear Experian, I withdrew an application for credit from a national bank on the same day of my request. They still sent me the packet, and then several days later they sent me a declined notice. Does this affect my credit score? - CHR

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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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Inquiry for credit line increase could impact scores, but is not the only issue

  • December 22nd, 2010
  • Posted in Featured

Dear Experian, If I ask for a credit line increase on my credit card, part of the credit card process is to do a credit check with Experian. Does this type of credit inquiry affect my credit score? - RYC

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Credit monitoring service alert about a new inquiry

Dear Experian, How do I find out who is checking my credit report? I have not applied for any recent credit, and a credit monitoring service has reported an Experian credit check. - MWM

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Effect of multiple mortgage applications

Dear Experian, Will it affect my credit score if get I get a mortgage pre-approval letter from more than one bank? If it does how much would it affect my score? Also, will it affect my score, if I check my credit score with you guys? - UYI

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