Credit report - Free online credit report - Online credit report - Credit report repair - Free credit report - Credit bureau report - Consumer credit report
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To better understand the issues relating to your legal situation or problem, our legal information and other law related facts may be of interest to you
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What is an inquiry?
An "inquiry" is a record of the name of a credit grantor, or authorized user who has accessed your credit file also known as Credit Report. Each inquiry is posted to the credit file so you know who and when has obtained a copy of it. No inquiry is posted on Consumer's credit file when the Consumer checks own Credit Report.
There are three more types of inquiries besides creditor and personal ones. Following inquiries display only to you and are not considered when evaluating your credit worthiness.
Pre-approved credit grantors post an inquiry before offering you a pre-approval credit card. These are listed as "promotional" or PRM inquiries on your credit file because only your name and address were accessed, not your credit history information. They are NOT sent to credit grantors or businesses for reasons of Credit Reporting. They are listed for your informational purposes only and remain on file for 12 months.
Account Monitoring and Account Review which periodically performed by you present creditors to review your account. These types of inquiries may be abbreviated to AM and AR respectively. Both of them remain on your credit file for 12 month as well as promotional inquiry.
Credit bureau may initiate an internal inquiry in response to your own request of credit file or request of research. Different Credit bureaus will abbreviate this type of inquiry in their own ways so you can encounter with ID, ACIS, UPDATE or event more mysterious abbreviations. Do not be confused with ones since most likely they are well documented in supplementary help systems and neither of these impacts your Credit score.
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Return to all Credit Report legal information
Legal Articles about Credit Report
Credit Report Frequently Asked Questions
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Credit report correction techniques
Many times the credit bureau is busy and does not handle your dispute properly ...
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Basic rights under The Fair Credit Reporting Act
All Federal Laws are in consumer's favor and you will have the advantage ...
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Credit Scoring and the Lending Industry
Credit scoring is crucial to your ability to get a loan. When you apply for a mortgage, your lender ...
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Robert Mueller Russia inquiry: first charges have been filed – reports
The Guardian
Former FBI director Robert Mueller, special counsel on the Russian investigation, has not commented on reports that charges have been filed. Photograph: Saul Loeb/AFP/Getty Images. Robert Mueller ...
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Rochdale inquiry: Call for 'personal accountability' over abuse
BBC News
Politicians "should be held personally accountable" for historical sexual abuse in Rochdale care homes, an inquiry has heard. Laura Hoyano, lawyer for the alleged victims, said it was "deeply regrettable" that council leader Richard Farnell and former ...
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