Regular Contributor
Posts: 111
Registered: ‎09-26-2008

AR Inquiry from Unknown Creditor - What to Do?

[ Edited ]

Sorry if this is in the wrong forum, was not sure exactly where to put this.


I was reviewing my recent Equifax credit report and noticed a soft AR inquiry ("Inquiries with [this] prefix indicate a periodic review of your credit history by one of your creditors" ) from Household Bank on 2/24/2009. 


I have no credit accounts with Household Bank - unless they are the parent/credit grantor company for:



Best Buy (Beneficial National Bank is noted as the credit grantor for this acct)

Cap 1

Wells Fargo

GEMB/SAMS (although this account was closed 2 years ago, so the AR would still not be legit)

AT&T (I have a cell phone with them, never late or anything so doubt this is it)


Wells Fargo Student Loan 

Amex (which was also closed a couple years back, perfect history)


Can anyone tell me if Household Bank is afilliated with any of these? If not, what does this soft mean??


Thanks for any advice or thoughts.


Message Edited by Grape on 04-03-2009 10:08 AM
Message Edited by Grape on 04-03-2009 10:08 AM
Established Contributor
Posts: 645
Registered: ‎10-24-2007

Re: AR Inquiry from Unknown Creditor - What to Do?

No, I don't believe Household could possibly be affiliated with any of those other companies. I do know however that AMEX softs me as a creditor (AR)  about once a month too...I have no accounts with them either. Not sure how it works that they can do this.
Moderator Emeritus
Posts: 3,417
Registered: ‎12-27-2007

Re: AR Inquiry from Unknown Creditor - What to Do?

It's your Best Buy acct --


Beneficial aka Household aka HSBC


Hope that helps!


I know it gets confusing, but a lot of this is the result of banks acquiring other banks and other crazy stuff -- like MBNA/BofA/FIA and Chase/Bankone/FirstUSA, etc.

From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.

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