AR-FIRST TENNESSEE BANK VISA 02/14/08Naughty First Tennessee, that account's been closed for several years, and I'm making a little list of the times that they softed me with an -AR prefix. That PRM ONL appears to be from the pre-approval site on Bank of America. Cap One appears to have given up on me, thank goodness. The CIC/Experian softs are from my own credit report monitoring. And there's Citi/Home Depot checking up on me.
PRM-BANK OF AMERICA 04/02/08
PRM ONL-Bank of America 02/14/08, 12/06/07
PRM-CAPITAL ONE 02/08/08, 01/11/08
PRM-CAPITAL ONE - RTPM 02/08/08, 01/11/08
CIC/EXPERIAN ALRTS 04/05/08
CIC/EXPERIAN RPTS 04/04/08
AR-CITI SD- THE HOME DEPOT 04/25/08
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 twelve months.)
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 twelve months.)
EMPL - Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)
Equifax or EFX - Inquiries with these prefixes indicate Equifax’s activity in response to your contact with us for a copy of your credit file or a research request.
ND - Inquiries with this prefix are general inquiries that do not display to credit grantors. (ND inquiries remain for twelve 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.)
PR - Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing. (PR inquiries remain for 12 months.)