Finding out Who Has Checked Your Credit Report

Finding out who all have checked your credit report in the past is a simple matter of ordering a personal copy of the credit report from one or all three of the credit bureaus. You are eligible to get a free copy of your personal credit report from each of the credit bureaus once every 12 months. This makes you eligible for 3 feet credit reports one from each separate credit bureau Experian, TransUnion and Equifax. You can do so by logging on to www.annualcreditreport.com

You might also be eligible for a free copy of your credit report in other circumstances such as an adverse action has been taken against you based on the information present on your credit reports like disapproval of a credit application, if you’re looking for a job etc.

Whenever someone accesses your credit report or makes a request a record is created on the credit report which is called an enquiry. There are two kinds of enquiries hard and soft. The heart enquiries are the ones which result from an application being made for a credit or a loan. Soft enquiries are generated as a result of people accessing your credit report for matters which do not pertain to credit and lending such as enquiries made by prospective employers, landlords, insurance companies, preapproved credit offers etc.

Only people and organisations that have the right to access your credit report under the fair credit reporting act can access your credit report, while some such as employers and landlords require written permission from you not to do so.

If the only other way someone can access your credit report is if the person has enough of your personal identifying information to pass the identity test online. Which is why it is recommended that you do not share personal information and financial details with people. You should safeguard documents that contain information that might compromise your financial integrity even when you are disposing them off such as gold credit card bills etc.

If you want to monitor your credit report frequently as well as who is accessing it to can sign up for a credit monitoring service which allows you to check your credit report as many times as you like. Accessing your own credit report also does not count towards the calculation of the credit score no matter how many times you do it.