     makakio | Wednesday, January 26, 2000 - 03:39 pm 
I've noticed lots of companies checking into my credit (presumably to offer me more) over the past few years. I have not requested any credit (new, increases, etc) during this period of time.
My question: when I go qualify for a mortgage next year will these inquiries appear on my report (potentially as the result of actions I solicited)? That's a scary thought. But after having to clean up my father's personal work, address, DOB and mortagages (get this - taken out BEFORE I WAS BORN) from MY credit report several years ago (thank you Trans Union), I'm beginning to wonder about what constitutes "reality" and "equitable treatment" in the credit scoring world...
Very best to you who reply,
Matt |
| rcb | Thursday, January 27, 2000 - 04:39 am
Only inquiries that YOU initiate will be included in the data forwarded to your mortgage company (and utilized in generating your score(s)). Any inquiries from companies looking for people to "pre-select" or "pre-approve" will not harm your score(s). |
| Voigtkampff | Thursday, January 27, 2000 - 06:31 am
I don't know if most or all, but I do know that some credit reports actually break down the inquiries into 2 categories: those that are reported to your creditors, and those that only appear on the report that the consumer sees. |
| rcb | Thursday, January 27, 2000 - 09:59 am
Regarding reports directly from the Big 3:
Experian and Trans Union - separate lists of inquiries - initiated and non-initiated.
Equifax - one list, but each disclosure (consumer initiated inquiry) is identified as such. |
