When someone checks your credit report, it’s called an inquiry. Some inquires do not affect your credit, while others might.

Latest Articles

Inquiries can have small impact on credit scores

I haven’t had negative activity on my credit report for over two years,...

Find Out Who Has Checked Your Credit Report

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

Why Inquiries Can Change Credit Scores

Why does my score change with inquiries? - ADM

What is a soft inquiry?

An inquiry is a record that someone has looked at your credit report. There...

Can you talk about inquiries? What are inquiries?

An inquiry is simply a record that someone has looked at your credit report....

How to remove hard inquiries that were not authorized?

Anytime you apply for credit or other services, you are giving the lender permission...

How to Find Out Who Has Requested Your Credit Report

How do I find out who has been inquiring about my credit? ...

How Long Do Inquiries Impact My Scores?

As a business advisor, I work with a variety of people. When they find...

Dealership Pulled Copy of Credit Report in Error

I recently found out that a car dealership pulled a hard inquiry on...

Does Getting Declined Affect Your Credit

I have requested a credit line increase from my credit card company three...

Video: What Is a Hard Inquiry?

Are you well versed on what hard inquiries can mean for your credit? No?...

Not Just Anyone Can Get Your Credit Report

Can anyone obtain a credit report on anyone else if they are not...

Soft Inquiries

Lenders do not see soft inquiries when they order your credit report. Soft inquiries include:

  • Pre-screened offers for credit
  • Account reviews by your existing lenders
  • Requests related to employment
  • Requests for insurance purposes
  • When you request your own credit report

Hard Inquiries

Hard inquiries typically come from a lender or other creditor who wants to check your credit report as a result of your loan application or request for credit, goods or services. These inquiries are shared with other lenders viewing the report and can have an impact on credit scores and lending decisions.

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