12-15-2007 11:59 AM
12-15-2007 12:05 PM
An inquiry indicates when a business, usually a lender, has checked your credit. The inquiry listed here is the only time in the 12 months since the date of this report that a lender has checked your credit at Equifax. This inquiry appears because you applied for credit with the listed company. Inquiries associated with applying for new credit are the only kind of inquiry that may hurt your FICO® score.Inquiries affecting your FICO® scoreTotal: 1 TimeDate September 13, 2007Company making the inquiry Usaa Hmeq
Inquiries listed here are requests by lenders to view your credit report because you have applied for credit with them. Having many inquiries can hurt your FICO® score, because that might be a sign that you are in a financial situation where you need credit. A single inquiry, however, will have little impact on your score.
Three other kinds of inquiries do not affect your FICO® score and are not listed here. One occurs when lenders search for consumers that might qualify for pre-approved credit. Another occurs when you request to view your own credit report, such as when ordering products on myFICO. Other inquiries that do not affect your score are any inquiries used for purposes other than granting credit, such as an inquiry requested by a landlord. Note: In general, inquiries contribute to less than 10% of your FICO® score.
12-15-2007 12:35 PM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO