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Consumer Disclosures

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Consumer Credit Disclosure - Credit Inquiries

Consumer Disclosures provided by the Credit Bureaus are credit inquiries made on your name. There are two types of credit inquiries: soft and hard inquiries.

Soft inquiries can be made by employers, landlords, and businesses you have established credit with. This arecounted as a soft inquiry. Your credit score is not affected by these soft inquiries.

Hard inquiries are those made by businesses that you're applying credit for. These inquiries affect your credit score and usually bring it down a handful of points. Try to limit the number of hard inquiries. Too many hard inquiries may be seen as a sign of financial difficulty, and that you're looking to take on lots of credit.

The Fair Credit Reporting Act (FCRA) requires that all inquiries made must be legitimate and must have been authorized by the consumer. If you find a credit inquriy that is unrecognized and perhaps unauthorized, you have the right to request the creditor to stop and remove your name from their inquiry list. You can ask them to disclose the written authorization they have to make such inquiries. If none can be provided, the inquiry should be removed from your name.

Disclaimer: Please note that this article or this site is not related to the following website(s) - http://www.consumerdisclosure.com - We do not work with this company and it is not our intention to endorse nor denounce the company or companies you see before you. These articles are not to be considered as legal or professional advice, and are to be used for personal education purposes only.

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²This page lists a set of products that contains credit scores provided by all three credit bureaus, but on occassion products can be listed here with only 1 Credit Score, please read the details of the products carefully before you apply.

c1 Due to New York state law restrictions, the Triple Advantage(SM) Guarantee cannot be offered to residents of New York.

c2 Reimbursement will be provided by insurance carrier. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to actual policy language.

*All Products featured on this site and those that are not featured here are owned by their respective companies. this site only provides a comparison service and provide additional information about emerging credit fraud and identity theft here in the United States.

**This website and our advertisers are not affiliated with the annual free credit report program. According to Federal law(by the FTC), everyone has the right to receive a free copy of their credit report once every 365 days from each of the three nationwide consumer reporting agencies. However this doesn't include your credit score. To get your free annual report with respect to this law, you need to go to www.annualcreditreport.com.

**The 3 Credit bureaus are Experian, Transunion and Equifax, products listed on this page uses data from either one or all of these credit bureaus, in many cases the credit bureaus themselves provides services to help you monitor their products, most of which are listed on this page.

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**Experian (www.experian.com), FreeCreditScore.com(www.freecreditreport.com) and Credit Check Total(www.creditchecktotal.com) are trademark names of Experian.

**Transunion (www.transunion.com), TrueCredit(www.truecredit.com) are trademark names of Transunion.

**Equifax (www.equifax.com) is a trademark name of Equifax.

**Intersections, IDENTITY GUARD and Total Protection are federally registered trademarks of Intersections Inc.

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