Find Out Who Has Checked Your Credit Report

Dear Experian,

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


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 inquiries, sometimes referred to as hard inquiries and soft inquiries.

The Difference Between Hard Inquiries and Soft Inquires

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 with a couple of exceptions. Soft inquiries on your credit report are only visible to you, except: (1) insurance companies may be able to see other insurance company inquiries; and (2) inquiries by debt settlement companies you have authorized to access your report may be shared with your current creditors.

These inquiries have no effect on your credit score as they are never considered as a factor in credit scoring models. Soft inquiries are not disputable but are available for reference. 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. Because you are the only one who sees them, soft inquiries do not have any impact on your credit scores.

Getting Your Free Experian Credit Report

You can request your personal report free once every 12 months at You can also get your free credit report from Experian at any time.

And, 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 unlimited access to your report and be notified of new inquiries when they appear.

Thanks for asking.
- The "Ask Experian" team