There are inquiries on my credit report I do not recognize.?

Question

Kroll Factual Data, and SS&C Technologies, does anyone know who these people are?

Answer 1

Creditors can look at your file in advance of offering you a credit line such as a credit card, gas card, store card, etc. Ever get a "pre-approved" visa offer? They look at your score first to determine what kind of risk you are. Those are most likely screening companies you see in those inquiries. Legally it's permissible and does not have any impact on your score.  Nothing to worry about.  

EDIT- Well actually maybe you should worry. I googled it and Kroll is a third party credit screening company for mortage lenders and anyone else needing to evaluate your credit worthiness. If you have not made loan applications lately this might be a warning of ID theft. Or possibly I was right the first time. The answerer who suggested you write the company probably has the right idea.

Answer 2

Write each company a letter and send it certified mail, requesting proof that you allowed the company to pull your credit, here is an example for you to follow:

In review of my credit report, I discovered an inquiry from your company.  I do not recall authorizing you to inquire about my credit.  Under the Fair Credit Reporting Act, you must have my authorization to review my credit.  Accordingly, I would like to be sent proof that I authorized you to review my credit.  Please forward me that proof as soon as possible.

If you are unable to provide me with proof of my authorization, please promptly remove the inquiry from my credit report and send me written confirmation of the removal.

Good luck

Answer 3

u can opt-out of these inquiries thru the credit bureaus. additionally, u can write 2, or call those comps who inquired about u 2 ask y they inquired, & thet u don't recall having any business w/ them. most importantly, b polite.

Best Wishes!!!

Answer 4

check what kind of inquiry they are....like are they for new credit, or a periodic review of an existent account.  It could also be a an employer or even an insurance co checking your credit.