     Sean | Tuesday, November 30, 1999 - 07:07 pm 
There are two main types of inquiries in the world. Consumer-initiated and non-consumer-initiated.
When you apply for a credit card, job or fill out a rental application many times you are initiating an inquiry. However there are many more inquiries that are not initiated by you.
Promotional (pre-selected) inquiries and account review inquiries are the two common non-consumer-initiated inquiries. Not only do these inquiries not count against you on your score but other creditors that receive your credit won't get a list of these inquiries. On promotional inquiries no inquiry information at all is given to the potential creditor in accordance with various clauses in the Fair Credit Reporting Act. |
