An inquiry is recorded whenever your credit report is “pulled” (i.e. viewed) by another party, such as a lender, credit card company, service provider, landlord, or insurer. Credit inquiries remain on your credit report for up to 2 years, and each can temporarily result in a slight dip in your overall credit standing.

If you wish, you can opt out from allowing companies to look at your credit report without your permission.  This will simply remove your name and contact information from the lists that credit bureaus sell banks so that they can send people pre-approved credit card offers.

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