Credit Report Sections

Section: Inquiries

This section shows all the inquiries in the last 90 days. It displays:

• what credit bureaus were used to request your report
• the date when it happened
• what entity requested the information

There are two types of inquiry. A hard inquiry is when you’ve applied for credit, which gives a lender permission to pull your credit report. All hard inquiries are available for all credit grantors to review. A soft inquiry is only available for you to see, and it doesn’t influence your credit score.

This is what the above means in layman terms:

• MBNA, which is the major credit card provider checked your credit on December 29th of 2003 with Experian and TransUnion
• Factual Data, which is the creditor report service used by many lenders pulled your report on 31st of October, 2003 from Experian and Equifax
• TransUnion was used by Chicago Land Home Mortgage on the same day as the previous one

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