Will Inquiries Lower Your Credit Score?

What are inquiries?

When you apply for credit the creditor or lender checks your credit report to verify that you qualify for the credit or loan you are applying for. The "inquiry" is then reported to the credit bureaus and shows up on your credit report.

Does this affect your credit rating or score?

Yes, it does. Although only a few points are deducted from your score for each inquiry, having multiple inquiries may drop your score to a lower bracket, forcing a higher interest rate. You may not even qualify for the loan or line of credit at all.

Will requesting your credit report generate an inquiry?

This is a common misconception and is totally false. You should view your report at least once a month. Doing so will not generate any inquiries.

What if you did not authorize an inquiry, can you dispute it?

Yes. If you did not authorize any of the inquiries on your credit report you can and should dispute them. To dispute inquiries obtain your credit report, then make a copy of your credit report, highlighting the inquiries in dispute. Finally, send the copy of your highlighted inquiries along with a letter demanding the inquiries be deleted from your credit report to the credit bureau.

Is it worth it?

The next time you are out shopping and the salesperson asks you, "Would you like to apply for our credit line and receive 15% off your purchase?" Ask yourself, "Is it worth it?"

Scott Brown is a fair credit reporting advocate and the author of his own website Credit Repair, a free information site dedicated to help consumers repair bad credit and optimize their credit reports and credit scores.

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table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bizjournals.com/sanjose/stories/2008/10/13/daily20.htmlcid=1257404892ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNEW492EgIH7xudxWuPIbvOAx5IW5QSAFE bCredit/b Union customers to test Intuit online program/abrfont size=-1font color=#6f6f6fBizjournals.com,nbsp;NCnbsp;-/font nobr13 hours ago/nobr/fontbrfont size=-1SAFE bCredit/b Union in Sacramento is being tapped as a test institution for a new online program by Intuit Inc. called FinanceWorks that allows the bcredit/b b.../b/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssIndustryMaterialsUtilitiesNews/idUSLE61652120081014cid=1257349454ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNFbgwOvgCJJhnRQO2snc3sFxyBlLAEuronav secures part of $500 mln bcredit/b facility/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr5 hours ago/nobr/fontbrfont size=-1The bcredit/b facilities have an 8-year maturity as from the date of deliveries of each of the two vessels on site. Borrowings under this facility bear b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.marketwatch.com/news/story/overseas-shipholding-group-announces-new/story.aspx%3Fguid%3D%257B940F094C-726F-4412-95F3-79705A6EEE58%257D%26dist%3Dhpprcid=1257349454ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNG_VjJPeJgK0-yDwUEEOJpxKWRAlgOverseas Shipholding Group Announces New $500 Million bCredit/b b.../b/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1257349454hl=ennobrall 20 news articles/nobr/a/font/div/font/td/tr/table
table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.reuters.com/article/rbssConsumerGoodsAndRetailNews/idUSN1347702720081013cid=1256322835ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNHl4emEm7NYsXp8KrOfaFPJFni7fgUPDATE 1-GMAC to limit car loans to buyers with good bcredit/b/abrfont size=-1font color=#6f6f6fReutersnbsp;-/font nobr14 hours ago/nobr/fontbrfont size=-1quot;The changes include limiting purchases to contracts with a bcredit/b score of 700 or above,quot; GMAC said in a statement, adding that it will also restrict loan b.../b/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.youtube.com/watch%3Fv%3DkA7qghheIIQcid=1256322835ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNHlNmgQE_tYhkJx83zR4mQtukUe5QVideo: Source: Chrysler, GM Discuss Joining Forces/a font size=-1 color=#6f6f6fnobrAssociatedPress/nobr/fontobject width=448 height=356param name=movie value=http://www.youtube.com/v/kA7qghheIIQ/paramparam name=wmode value=transparent/paramembed src=http://www.youtube.com/v/kA7qghheIIQtype=application/x-shockwave-flashwmode=transparentwidth=448height=356/embed/objectbr/fontfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.star-telegram.com/100/story/972006.htmlcid=1256322835ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNGoDnkKfi_8xAlE5ayIY55wCcZ3zABriefs: GMAC limits auto loans to bcredit/b scores of 700 or better/a font size=-1 color=#6f6f6fnobrFort Worth Star Telegram/nobr/font/fontbrfont size=-1a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.motorauthority.com/general-motors-reportedly-exploring-strategic-options-for-gmac-finance-arm.htmlcid=1256322835ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNE7R6HZ2y2IIMR8_-vVxxFI2JuytwGMAC ceases all financing to buyers with bcredit/b rating below 700/a font size=-1 color=#6f6f6fnobrMotor Authority/nobr/font/fontbrfont size=-1 class=pa href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://money.cnn.com/news/newsfeeds/articles/djf500/200810131756DOWJONESDJONLINE000661_FORTUNE5.htmcid=1256322835ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNGjTz2J0buLabnwP63lc7A9elvJ7QnobrCNNMoney.com/nobr/anbsp;- a href=http://www.citywebshopper.net/articles/includes/redirect.php?url=http://www.bloomberg.com/apps/news%3Fpid%3D20601213%26sid%3DaPc8nAdyeZEo%26refer%3Dhomecid=1256322835ei=eoH0SIm6MqiY6AO9tOiTDQusg=AFQjCNETfWOOYQDd1PWsTy900QKrTxQwGgnobrBloomberg/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1256322835hl=ennobrall 2,131 news articles/nobr/a/font/div/font/td/tr/table
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