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

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.

Inquiries can have small impact on credit scores

April 11, 2012

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...

Renewing Pre-Approved Loan Could Cause Hard Inquiry

March 14, 2012

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...

Removing Inquiries for Multiple Loan Applications

February 29, 2012

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....

Inquiries from Utilities on Your Credit Report

November 23, 2011

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

Find Out Who Has Checked Your Credit Report

October 12, 2011

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