topic Re: DTC DOES ANYONE KNOW in General Credit Topics

DTC DOES ANYONE KNOW

Anonymous — Thu, 24 Jul 2008 13:41:45 GMT

What this means as code on soft inquiries?

Re: DTC DOES ANYONE KNOW

Anonymous — Thu, 24 Jul 2008 17:42:27 GMT

Most reports will show what the different codes mean. Where did you get your report?

Re: DTC DOES ANYONE KNOW

Anonymous — Fri, 25 Jul 2008 02:26:04 GMT

It's a FICO and it's not in the list they show.

Re: DTC DOES ANYONE KNOW

Anonymous — Fri, 25 Jul 2008 04:43:23 GMT

casinoannie97 wrote:

It's a FICO and it's not in the list they show.

FICO reports doesn't show soft inquiries.

Re: DTC DOES ANYONE KNOW

RobertEG — Fri, 25 Jul 2008 08:31:33 GMT

No idea what DTC means. It is not an industry designation that I am aware of.

There are seven recognized types of soft inquiries. Here are the exact definitions as provided by EQ in their expanded and full credit reports:

PRM: Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance. (PRM inquiries remain for 12 months)
(soft pull).

AM or AR: Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors. (AM and AR inquiries remain for 12 months)
(soft pull)

EMPL: Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)
(soft pull)

PR: Inquiries with this prefix indicate that a creditor reviewed you account as part of a portfolio they are purchasing. (PR inquiries remain for 12 months)
(soft pull)

Equifax or EFX: Inquiries with this prefix indicate Equifax’s activity in response to your contact with them for a copy of your credit file of a research request.
(soft pull)

ND: Inquiries with this prefix are general inquiries that do not display to credit grantors. (ND inquiries remain for 24 months)

ND MR: Inquiries with this prefix indicate the reissue of a mortgage credit report containing information from your Equifax credit file to another company in connection with a mortgage loan. (ND MR inquiries remain for 24 months)

Message Edited by RobertEG on 07-25-2008 01:27 AM

Message Edited by RobertEG on 07-25-2008 01:31 AM

Re: DTC DOES ANYONE KNOW

Anonymous — Fri, 25 Jul 2008 13:56:18 GMT

Well alright it's an EQ report. DTC.

Re: DTC DOES ANYONE KNOW

Anonymous — Fri, 25 Jul 2008 18:04:15 GMT

I found that it means Determine(ation) To (Offer) Credit. It is for pre-approved offers . I googled it and found this has been on many CR.

Re: DTC DOES ANYONE KNOW

Anonymous — Sat, 26 Jul 2008 01:48:03 GMT

Hey thanks Guiness.