Maybe I can clarify a few things.
First of all, a business needs to qualify to become a member of a bureau to access the report. They have to have a legitimate reason and the proper security protocols in order to access consumer reports. That's number one.
Number two, every time an inquiry is done on the consumer's report does not necessarily affect the consumer's credit score. The scores are calculated in different ways for different purposes . Each credit granting body will use scores in different ways. For example, not all the telecoms report all of their information to the credit bureaus.
Many of the lenders don't even use that information in their credit granting decision. So it's not—