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mousieee321

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i havent applied for apartments recently why would i have a lanlord inquiry?
I haven't seen or spoken to any apartment rentals why am I seeing landlord inquiries on my report?

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This may be identity fraud

You didn't mention if this was a hard or soft pull on your credit, but you should pay attention.  Take a hard look at the company that has made the credit inquiry.  If you have had a prior relationship with them and the inquiry is soft, they may just be doing some marketing.  If you don't recognize them and it is a hard pull on your credit (an inquiry that counts), you need to act now.

Start by attempting to contact the company that created the inquiry on your credit account immediately.  Someone may be using your information to make rental applications.  If they get a rental in your name, you may have a lot of trouble in the future if they skip out on the rent or damage the property.

Pull your full credit report from each agency (Transunion, Equifax, and Experian) to look for any other credit activity that may not be showing up on the Credit Karma site yet.

If you can't come up with a good explanation for where the inquiry has come from, put a fraud alert on your credit file and file a dispute on the inquiries with all 3 credit reporting agencies

If you find other activity on your credit file, such as loan applications, contact your state's attorney's office to submit an identity theft report, file a dispute on all fraudulent activities, and contact all 3 credit reporting agencies to put a freeze on your credit files.

The difference between a fraud alert and a freeze is that companies can still get access to your credit file with extra identification when your account is under alert.  If it is frozen, no one can get access to the information.  Generally a fraud alert is free, but a freeze will incur fees.

Good luck and act fast!

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