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2. Can you remove hard inquiries from your credit report? - AOL

   www.aol.com/finance/remove-hard-inquiries-credit...

   A credit inquiry, sometimes known as a credit pull, is a request to look at your credit report. Inquiries happen when individuals or companies want to know more about your financial health ...

3. Can anyone check my credit without permission? - AOL

   www.aol.com/finance/anyone-check-credit-without...

   So, if you’re applying for a credit product like a new credit card or a car loan, your potential lender will perform a hard credit inquiry to see your full credit report, which will impact your ...

4. AnnualCreditReport.com - Wikipedia

   en.wikipedia.org/wiki/AnnualCreditReport.com

   AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.

5. How credit inquiries affect your credit score - AOL

   www.aol.com/finance/credit-inquiries-affect...

   Any time you pull your credit file from Experian, TransUnion or Equifax to assess your credit history or dispute credit report errors, it counts as a soft inquiry and won’t affect your credit ...

6. Debt collection - Wikipedia

   en.wikipedia.org/wiki/Debt_collection

   A credit record is a record of the credit history of a person or business entity, potentially including payment history, default and bankruptcy. Information about debts, late payments and default may be placed by a borrower's credit record, and usually remain for several years. Reports to credit reporting agencies may not necessarily be ...

7. Statement on Auditing Standards No. 99: Consideration of Fraud

   en.wikipedia.org/wiki/Statement_on_Auditing...

   SAS 99 defines fraud as an intentional act that results in a material misstatement in financial statements. There are two types of fraud considered: misstatements arising from fraudulent financial reporting (e.g. falsification of accounting records) and misstatements arising from misappropriation of assets (e.g. theft of assets or fraudulent expenditures).