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.
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