"Inquiries" are a record of everyone who has asked for the information in your credit report. Some are there because you applied for credit. Others are routine checks on your continuing credit history by your current creditors. Still others are creditors looking for people with good credit so that they can send credit offers. Even your own request for a copy of your credit report shows up as an inquiry.
Most inquiries remain on your credit report for two years. You are allowed to see all inquiries on your credit report. But not everyone is allowed to see all inquiries. For instance, when you apply for new credit, the potential lender will not see the routine checks by current lenders, the unsolicited credit offers or your own request.
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"Inquiries" are a record of everyone who has asked for the information in your credit report. Some are there because you applied for credit. Others are routine checks on your continuing credit history by your current creditors. Still others are creditors looking for people with good credit so that they can send credit offers. Even your own request for a copy of your credit report shows up as an inquiry.
Most inquiries remain on your credit report for two years. You are allowed to see all inquiries on your credit report. But not everyone is allowed to see all inquiries. For instance, when you apply for new credit, the potential lender will not see the routine checks by current lenders, the unsolicited credit offers or your own request.