How To Read A TransUnion Credit Report - Page 2
Regular Inquiries
Any companies that have made inquiries against your credit file and have received your credit report will be listed here. Inquiries are generated when creditors with whom, you have applied for credit lines or loans (e.g. mortgage loan or credit card application) inquire about your credit history. Some inquiries may have been originated from potential employers. The request will detail the name of the requesting company, their address, the date on which they made the request and the reason for the request. The inquiry record will remain on your credit report for two years.
Inquiry Analysis
This is a list of all companies that have requested your credit report. The request will detail the name of the requesting company, their address and the date on which they made the request.
Sample TransUnion credit report
You may also find the following credit report terms helpful:
- CURR ACCT - Account is current in payments and in good standing.
- CUR WAS 30-2 - Account is current was 30 days late twice.
- PAID - Account has been paid off and has a $0 balance and is inactive.
- CHARGEOFF - Unpaid balance on account was reported as a loss by creditor and the creditor is no longer seeking reimbursement.
- COLLECT - Account is severely delinquent and assigned to collections.
- FORECLOS - Property was foreclosed.
- BKLIQREQ - Debt was forgiven due to Chapter 7, 11 or 13.
- DELINQ 60 - Account is 60 days delinquent.
- INACTIVE - Account is inactive.
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