|Types of Accounts:|
This information comes from federal district bankruptcy records, wage items, state & county court records, tax liens and monetary judgments, and, in some states, overdue child support records
This section contains the names of those who have obtained a copy of your credit report.
- Anytime your credit report is pulled – whether you apply for a loan and the lender requests a copy of your report, or you order a copy of your credit report yourself directly from the credit bureau – an inquiry is added to your report
- There are 2 types of inquiries:
- Hard Inquiry = these are inquiries made by your creditors and lenders with whom you have applied for credit or a loan. When lenders order a copy of your credit report, they see only the inquiries made by other creditors and lenders with whom you applied for credit or a loan. Also, these are the only inquiries that are considered when calculating your credit rating and/or credit score.
- Soft Inquiry = these are made when you request your own copy of your report and/or when an employer checks out your credit history. Lenders and creditors do not see these inquiries when they pull your credit report; therefore, they do not use these inquiries to calculate your credit score and/or make loan decisions.
- Try to limit the number of hard inquiries placed on your report – lenders often consider a high number of inquiries as a sign of financial difficulty.
- Inquiries remain on your report for up to 2 years.
- Look for hard inquiries from companies you are unfamiliar with or did not authorize to check your credit report; these could signify credit fraud.
- NOTE: Your credit was not affected when ConsumerInfo.com, Inc., an Experian company, (“ConsumerInfo”) pulled your credit report for you because this is a soft inquiry.
- Information is listed as follows:
- Name of the person or company making the inquiry
- Reason for the inquiry or company’s type of business
- Date your credit report was requested by the company
This section includes specific information on each account you’ve opened in the past.
- Positive information about your accounts remains on your report indefinitely.
- Check to see that all information is accurate & consistent.
- Look for accounts you don’t recognize – these could be accounts that were fraudulently opened in your name.