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What are inquiries?

April 26, 2017Inquiries

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What are inquiries?

3 Answers

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A credit inquiry is made each time an individual or a business asks about your credit history. Since this inquiry was made because you applied for credit, it becomes part of your credit record. These inquiries might affect your credit rating. Inquiries made for the purposes of marketing products or services to you are not counted on your credit record and therefore do not affect your credit rating.

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Inquiries are permissible requests to view your credit file made within the past two years. Companies that make inquiries for marketing purposes do not affect your credit rating.

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Companies that have requested your credit file within the past two years. Companies that inquire for marketing purposes do not affect your credit rating.