Jerevie Canlas, Ph.D., CFLE
USU Extension Empowering Financial Wellness Program Coordinator
Your credit report has a lot of information regarding your borrowing and payment habits, so it makes sense that applying for a line of credit would be one of the most common reasons why businesses check your credit history and ask for your credit score. Financial institutions (think credit card companies, banks or credit unions for your mortgage and/or auto loans) top the list of those who checks your credit report, but here are other entities who might be interested in your credit information as well:
Any entity who pulls your credit should be listed on your credit report, under the Inquiries section. If you want to know who’s been checking your credit, go to annualcreditreport.com to get a free copy of your credit report. If you notice an unauthorized hard inquiry on your credit report, notify the credit reporting bureaus and dispute the inquiry and/or submit a complaint to the Consumer Financial Protection Bureau. If you suspect identity theft, immediately place a fraud alert on your credit, freeze your credit, and report the inquiry as theft on IdentityTheft.gov.
TAKE A FREE CLASS!
Host a Class
Blog editor and Accredited Financial Counselor sharing real-life money smarts that can help you stay on track with financial goals while still enjoying life!
Follow the fun on Instagram
AS SEEN ON
1st Place National Award in Social Media Education from the National Extension Association of Family and Consumer Sciences
Gold Award in Blog Site category at the 7th annual Education Digital Marketing Awards.
Silver Award in New Media category at the 34th annual Educational Advertising Awards.
Platinum Award in Digital Media, Web Design category at the International Marketing and Communication Awards.