Credit Advice » Report Advice » Inquiry » Find Out Who Has Checked Your Credit Report

Find Out Who Has Checked Your Credit Report

Dear Experian,

How do I verify that a company indeed checked my credit report?

– HOD

Dear HOD,

All you have to do to verify a company checked your credit report is get a copy.

Every time someone, including you, checks your credit history an inquiry is added instantly. Your personal credit report lists all of the inquiries, including some not seen by anyone else.

There are two types of inquires, sometimes referred to as hard inquiries and soft inquiries.

Hard inquiries result from your application for credit or other services. Because they represent potential new debt, they are shared with lenders and can have a small impact on credit scores. However, the impact of inquires is very minimal as compared to other factors, and their impact decreases over time.

Soft inquiries are shown only to you. They include checks of your credit history by your existing lenders as part of their portfolio review process. You will also see inquiries for prescreened credit offers, employment purposes, insurance purposes, and your own requests in the soft inquiry list.

You can request your personal report free once every 12 months at www.annualcreditreport.com. If you want to track changes to your report and be alerted to new information you can subscribe to a credit monitoring service to get access to your report and any inquiries.

Thanks for asking.
– The “Ask Experian” team

Review Your Free Experian Credit Report Today

Good credit begins with knowing where your credit is today. Get started with your free Experian Credit Report, updated every 30 days on sign in. No credit card required.

Get Started for Free

Rethinking Your Relationship with Money

Need to change your approach to money from a mental or emotional perspective? Learn how thinking differently can help.

Ask Experian for Advice

Your privacy and the information collected here.

Latest Tweets