Does every inquiry affect a credit score?
• Anytime your credit report is pulled including when you order a copy of your credit report directly from the credit reporting agency an inquiry is added to your report. Only some of those inquiries appear to creditors and therefore impact your credit score. Inquiries that were made for credit cards or loans for which you applied will be shown to creditors and are counted in a credit score. Inquiries added when you request a copy of your credit report or when an employer checks your credit report do not appear to creditors. We are pulling your credit report on your behalf, so the inquiry on your credit report will not be shown to creditors and will not affect your credit score. When you request your credit report directly from Experian, it shows you ALL inquiries. This is done so you know who has been looking at your credit. Some inquiries on your report are accompanied by a description of why the report was pulled.
Anytime your credit report is pulled — including when you order a copy of your credit report directly from the credit reporting agency — an inquiry is added to your report. Only some of those inquiries appear to creditors and therefore impact your credit score. Inquiries that were made for credit cards or loans for which you applied will be shown to creditors and are counted in a credit score. Inquiries added when you request a copy of your own credit report or when an employer checks your credit report do not appear to creditors and will not affect your credit score. When you request your credit report directly from Experian, it shows you all inquiries. This is done so you know who has been looking at your credit. Some inquiries on your report are accompanied by a description of why the report was pulled.
