View Requests for Your Credit Report

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Dear Experian,

How do I find out who has looked at my credit report?

- GDS

Dear GDS,

Your Experian credit report lists everyone who has requested a copy of your report during the last two years. There are two types of inquiries, shown in your credit report as "Requests viewed only by you," and "Requests viewed by others."

The "Requests viewed only by you" section lists inquiries that only you see. They are often called "soft inquiries" because lenders do not receive them when they obtain a copy of your credit report. Consequently, these inquiries do not have any effect on lending decisions or credit scores. These inquiries typically include pre-screened offers for credit, account reviews by your existing lenders, request related to employment or insurance purposes, and requesting your own credit report.

The section "Requests viewed by others" lists creditors who have checked your credit report as a result your application or request for credit, goods or services. They are often referred to as "hard inquiries" because they are shared with lenders and can have an impact on lending decisions and credit scores.

The impact of inquiries on credit scores is minimal, however. An application will never be declined solely because of inquiries. There will always be something more significant in your credit history that caused the inquiries to impact the decision.

Thanks for asking.
The "Ask Experian" team

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through December 31, 2022 at AnnualCreditReport.