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Inquiries


DBMCC
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true they do.

per an old post by Swede this is what the FCRA says

Inquiries: Most inquiries listed on your credit report will remain for two years. All inquiries must remain for a minimum of one year from the date the inquiry was made.

Actually this is not true, although CRA's keep inquiries on file for 2 years, the only inquiry that is allowed to remain for 2 years is employment inquiries, all others are to remain for one year.

§ 609. Disclosures to consumers [15 U.S.C. § 1681g]

(a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request, and subject to 610(a)(1) [§ 1681h], clearly and accurately disclose to the consumer:

(3)(A) Identification of each person (including each end-user identified under section 607(e)(1) [§ 1681e]) that procured a consumer report

(i) for employment purposes, during the 2-year period preceding the date on which the request is made; or

(ii) for any other purpose, during the 1-year period preceding the date on which the request is made.

Some inquiries, such as employment or pre-approved offers of credit, will show only to you.

Employment inquiries are visible to all, not just you.

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