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credit inquiry

tag
ey
New Visitor
New Visitor

credit inquiry

how do you stop people from inquiring your credit report? I frequently get inquiries when I didn't apply for anything and thus lowering my fico score. Thanks
Message 1 of 3
2 REPLIES 2
Lel
Moderator Emeritus

Re: credit inquiry

Certain inquiries do not affect your FICO score. For example, companies that have issued you credit cards will periodically review your credit report, and may increase your CL as a result. Some credit card companies will also review your credit to offer you a new credit card. If you have a mortgage, competing mortgage companies will look at your report before offering to refinance your mortgage.

My current Experian credit report has 34 such "soft" inquiries, and my score is in the high 700s.
Message 2 of 3
MidnightVoice
Super Contributor

Re: credit inquiry

Do you know it was hard or soft?
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 3 of 3
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