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Can Credco/Quicken be removed from my credit report?
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The creditor’s name should be listed under the hard inquiry section on your credit report. If you don’t recognize the inquiry or you are sure you didn’t make the inquiry, contact Corelogic Credco and ask them why an inquiry was made. Each time an inquiry is made, it is recorded by one or all of the three major credit reporting agencies – Equifax, Experian, and TransUnion. The hard inquiry will remain on your credit report for up to 2 years. Whether or not you get approved for the Quicken Loans mortgage makes no difference. How long do hard inquiries stay on your credit report? Soft inquiries do not have an impact on your credit score. Sometimes a soft inquiry might even be pulled by an existing creditor just checking on your current credit situation. This could be a lender with whom you’ve talked to for a pre-approval quote but haven’t actually applied for a loan. What is a soft inquiry?Ī soft inquiry occurs when a creditor checks your credit without your permission. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage. Hard inquiries will typically only drop your credit score by a few points. It can be for a mortgage, apartment, car loan, credit card, insurance policy, cell phone, and sometimes even a job application. What is a hard inquiry?Ī hard inquiry occurs any time you apply for new credit and the lender or creditor runs a credit check. Corelogic Credco is a credit reporting agency that provides merged credit reports to mortgage lenders nationwide. This usually happens when you apply for a mortgage with Quicken Loans. Credco/Quicken stands for CoreLogic Credco/Quicken Loans.Ĭredco/Quicken may be on your credit report as a hard inquiry.