An inquiry occurs when any entity requests a copy of your credit report. These inquiries can be made by credit-granting organizations, such as banks and retail stores, when you are applying for credit. Other inquiries, from requestors such as insurance companies, potential employers, or rental housing agencies, can be made after you have given the requestor your consent. The entity's name will appear on your credit report, allowing you to monitor who accessed your credit history. When you personally check your credit report, using a credit monitoring service, the inquiry that is recorded will not impact your credit standing.



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