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Keywords:
Fcra,
Promotional,
Permission,
Request,
Notation
An item on your credit report that shows that someone with a "permissible purpose" under FCRA regulations has previously requested a copy of your credit report data. (See Soft Inquiry, Promotional Inquiry and Hard Inquiry).
A request for a sample, catalog or more information.
A request or search for information. [D02861] Webster
a written or oral contact to the FPB in which no action is requested of the FPB, except to send information about the Board's complaint function.
All claimant oral and written contacts which do not request a reexamination of or state a dissatisfaction with the previous determination (in other words, an appeal). Usually pertains to claim status or general information such as deductible, entitlement, etc.
a response direct from the message recipient to the advertiser, normally in response to an advertisement or commercial, or public relations piece; response may be by telephone, mail-in, or in person, and usually involves a request for more information about a promotional offer or other subject of the message.
a face-to-face, written, or telephone request by a person for information only, not benefits
a listing of the name of a credit grantor or authorized user who has accessed your credit file
a message sent by a buyer to a seller/supplier requesting product information or a quotation
an event where a company asks the bureau for a copy of your credit report
a notation on a credit history file
a notation on your credit report showing what businesses (usually lenders) have requested to view your report
a record of any access of your credit reports
a record of someone checking your credit information
a record of when someone or some company accesses your credit report
a request by a lender to get a copy of an applicant's credit report
a request for information concerning the policies and procedures of the Sheriff's Office
An item on a consumer's credit report that shows that someone with a "permissible purpose" (under FCRA rules) has previously requested a copy of the consumer's report. Fair Isaac credit bureau risk scores take into account only inquiries resulting from a consumer's application for credit.
When your credit report is made available to another party, such as a lender, landlord or insurer. Back to Glossary Index
The process used by creditors to request a copy of your credit report. Inquiries occur every time a consumer fills out a credit application and/or request the extension of credit. Too many inquiries appearing on a credit report are considered damaging to the report.
Your credit report has an inquiry section that lists anyone with whom you have applied for credit.
Your credit report has an inquiry section that lists anyone who has asked for your credit history.
A customer request for a consumer report. An inquiry may only be obtained under permissible purposes as defined by the Fair Credit Reporting Act.
An entry on a credit report that indicates a company or individual has reviewed a consumer's credit report. Promotional inquiries for prescreened credit offers or inquiries that result from requesting your own credit report do not appear on reports supplied to lenders or other outside companies, and therefore do not affect your credit.
A request for a copy of your credit report. An inquiry occurs every time you fill out a credit application and/or request more credit. Too many inquiries on a credit report can lower your credit score.
An examination of a consumer's credit history.
(1.) A request for information in storage. (2.) A request that puts a display station into inquiry mode. (3.) In data communications, a request for information from another system.
An instance in which all or part of your credit file is accessed by a company or individual. There are different types of inquiries. Inquiries stay on your credit report for not more than two years. See also hard inquiry, promotional inquiry, and soft inquiry.
A record of an organization's access to a consumer's credit report. A consumer's rights to privacy are protected by the Federal privacy and applicable privacy legislation, therefore only inquiries from those entities with a permissible purpose are granted access.
There are two types of inquiry. A hard inquiry is when you have applied for credit, which gives the lender permission to pull your credit report. All hard inquiries are available for all credit grantors to review. A soft inquiry is only available for you to see. It does not influence your credit score. This type of inquiry includes your request for your credit report or pre-screen inquiries for credit grantors.
A person who has requested more information about a product or service, but has not bought yet.
A request for a copy of a credit report. An inquiry occurs every time a credit application is completed and when more credit is requested. In some cases, too many inquiries on a credit report can lower a credit score.
A request for credit information from a repository. Only inquiries triggered when a consumer applies for a loan are used to compute credit-bureau scores.
A request for literature or other information about a product or service. Unless otherwise stated, it is assumed no payment has been made for the literature or other information specific type of inquiry).
an examination of a consumers credit history.
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