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.

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.

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.

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