Not all credit inquiries count toward your Credit Score. When you check your credit report, you may notice that a number of credit inquiries have been made, sometimes from businesses that you don’t know. But the only inquiries that count toward your Credit Score are the ones that result from your applications for new credit. There is only one type of credit inquiry that counts toward your Credit Score. When you apply for a mortgage, auto loan or other credit, you authorize the lender to request a copy of your credit report. These types of inquiries, prompted by your own actions, appear on your credit report and are included in your Credit Score. Inquiries that don’t count toward your Credit Score. Your own credit report requests, credit checks made by businesses to offer you goods or services, or inquiries made by businesses with whom you already have a credit account do not count toward your Credit Score. Credit checks by prospective employers also do not count. These types of inquiries may appear on your credit report, but they are not included in your Credit score. |
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