Ques: Is there a way to stop inquiries on your credit report since it gives a to many inquiry report?
jead asked:
Whenever I check my credit report, it has a heap of companies and other businesses that I know nothing about and they have checked into my credit status so that that can send or call me about using them or their product for additional credit or home/car financing without my knowing anything about them and this seems to bring down your credit score because to many have checked and your are not using them. This is why I want it to stop unless I have knowledge of them checking and I want them to check without a penalty to me.
Shannon
Whenever I check my credit report, it has a heap of companies and other businesses that I know nothing about and they have checked into my credit status so that that can send or call me about using them or their product for additional credit or home/car financing without my knowing anything about them and this seems to bring down your credit score because to many have checked and your are not using them. This is why I want it to stop unless I have knowledge of them checking and I want them to check without a penalty to me.
Shannon
Tags: Credit Score, Heap, Inquiry Report
June 11th, 2009 at 2:55 pm
Gordon
Yes. There is a website you can go to, to opt out from receiving those offers, therefore they stop checking it to send you those offers. Link is below
June 13th, 2009 at 7:33 pm
Chad
Go to and you register your information with Equifax, Trans Union, Experian, and Innovis. You can then either opt in, opt out for 5 years, or opt out permanently. You need to do this for each address, so if you move you need to do it again. But the big Credit companies will not sell/give out your info to other companies who contact you with all these other “great” offers. It takes a few months to catch up to you (because your info is already out there), but it has worked for me and everyone I personally know who has also opted out.
June 14th, 2009 at 11:12 am
Mark
Inquiries like that should not count against your score, only inquiries that have to do with you applying for credit. If you check an Equifax report you’ll see different codes for the types of inquires. I’m not sure about the others.
June 16th, 2009 at 12:48 pm
Zachary
Only inquiries that you approve (by signing a form) count against your credit, like credit card or other loan applications or when you authorize an apartment or employer to run your credit. Those other ones are largely uncontrollable; companies, the credit bureaus themselves, and even government agencies ts agencies) constantly check everyone’s credit.