When your credit report is checked by someone authorized, what does it look like? Is it the same as what I get

Question

I am just curious if it looks like what the ones I get when I check it myself, or if there is a different format for formal credit checks.

Answer 1

When they pull a hard inquiry, they will see what you see (except for the soft inquiries - only you see those)

If they pull a soft inquiry (promotional pull etc) they will get a streamlined version of your report showing only the criteria that they are looking for.
(that's why people get preapproved type offers that say the final approval is based on your credit - they only see a small snapshot of your report with a prm pull, when a person applies for the card they will then pull a full report and base their final decision on that)


If they pull a full factual, which is pretty rare these days, they may see things that have dropped off due to age and have not been reporting for quite awhile. (usually it's only mortgage lenders that pull full factuals and for extremely high dollar mortgages)

Answer 2

The format is indentical between the two type of inquiries. They will both show the date and company requesting the information.

However, they will show up in two different sections on your credit report. The one you request are called "soft" inquires and they are only visible to you. The ones where you authorize people is called a "hard" inquiry and can be seen by everyone. The way they have the reports layed out they will separate them and let you know which ones were of which type.

However, I think you are asking what information they see and not necesarily just about the inquiry. If you are asking this, then the answer is yes they see everything you see, EXCEPT for the Soft Inquiries those as mentioned are only seen by you.

Answer 3

when you go into your credit report if you're looking online, it will show inquiries made by and show the company then below that it show inquiries made by you. When you pull your credit report it does not show as a hit, as if you're looking to acquire debt however when someone like Chase or Capitol One make an inquiry then the credit reporting agencies see you looking to acquire more debt so it takes a few points off of your credit score. Hard hits or soft hits, if it's a hard hit it will take points off if its a soft hit then it won't

Answer 4

Yes and no. There are different types of credit bureaus, the ones that vehicle lenders look at are called "auto enhanced" The ones that mortgage lenders look at are called "factual" .

These reports show things that your normal report doe's not show.

When I bought my most recent home 3-years age the mortgage company knew about a home I had financed over 15-years ago because it showed up on their factual report.

Answer 5

when you check your credit report it does not effect ur score. hard inquiries are those made by companies that you auithorize and give permission to view your credit report. the name of the company will be listed under inquiries in ur credit report with the date it was viewed. too many of these can effect your credit so watch out.