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	<title>Creditinfocenter Blog &#187; Free Credit Report</title>
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		<title>Understanding &#8220;Inquiries&#8221; on Your Credit Report</title>
		<link>http://www.creditinfocenter.com/wordpress/2008/12/19/understanding-inquiries-on-your-credit-report/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2008/12/19/understanding-inquiries-on-your-credit-report/#comments</comments>
		<pubDate>Fri, 19 Dec 2008 14:31:52 +0000</pubDate>
		<dc:creator>Cindy</dc:creator>
				<category><![CDATA[Consumer Debt]]></category>
		<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[Credit Reports]]></category>
		<category><![CDATA[credit]]></category>
		<category><![CDATA[credit report inquiries]]></category>
		<category><![CDATA[credit report scoring]]></category>
		<category><![CDATA[dispute inquiries]]></category>
		<category><![CDATA[Free Credit Report]]></category>
		<category><![CDATA[hard inquiry]]></category>
		<category><![CDATA[soft inquiry]]></category>

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		<description><![CDATA[I recently ordered my annual free credit report and just about jumped out of my skin initially as I reviewed the inquiries section&#8211; I didn&#8217;t recognize the half of them!
Fortunately, the lengthy list of inquiries I didn&#8217;t recall were simply &#8220;soft inquiries&#8221;, and therefore not going to be included in calculating my credit score. But [...]]]></description>
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		<title>Experian and Equifax now taking 45 days to investigate if you&#8217;ve EVER gotten a free credit report</title>
		<link>http://www.creditinfocenter.com/wordpress/2008/04/23/experian-and-equifax-now-taking-45-days-to-investigate-if-youve-ever-gotten-a-free-credit-report/</link>
		<comments>http://www.creditinfocenter.com/wordpress/2008/04/23/experian-and-equifax-now-taking-45-days-to-investigate-if-youve-ever-gotten-a-free-credit-report/#comments</comments>
		<pubDate>Wed, 23 Apr 2008 20:32:34 +0000</pubDate>
		<dc:creator>Kristy Welsh</dc:creator>
				<category><![CDATA[Credit Bureaus and Scores]]></category>
		<category><![CDATA[annualcreditreport.com]]></category>
		<category><![CDATA[Dispute]]></category>
		<category><![CDATA[Equifax]]></category>
		<category><![CDATA[Experian]]></category>
		<category><![CDATA[Free Credit Report]]></category>
		<category><![CDATA[Investigate]]></category>

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		<description><![CDATA[Under the FACT Act which passed in 2003, if a consumer pulls their annual free credit report to which they are entitled once a year, the credit bureaus have 45 days to investigate disputes rather than 30 days.  Apparently, since it doesn&#8217;t specify which kind of time frame this can happen, it means FOREVER.
This [...]]]></description>
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