Credco (CoreLogic Credco) on your credit report: what this inquiry means

Who Credco (CoreLogic Credco) is

Credco resells credit reports to banks, mortgage companies and other lenders. Its main product is the merged report, which combines your Equifax, Experian and TransUnion files into one document the lender underwrites from. Credco doesn't keep its own database of consumer credit; it orders your files from the bureaus each time a client asks. So when a lender runs your credit through Credco, the bureau records Credco as the company that asked, and the name on your report is Credco's instead of the lender's.

Is it a hard or soft inquiry?

A full merged report ordered for a loan application is a hard inquiry. Credco also sells prequalification and soft pull options that, in Credco's words, let a lender assess eligibility early without triggering a hard inquiry. Those soft checks show only on the copy of the report you pull yourself, and myFICO says lenders can't see soft inquiries.

Why it showed up on your report

Most often a mortgage application, a refinance or a preapproval, since mortgage lenders are Credco's core client base. Match the date of the entry to the day you gave a loan officer your Social Security number or signed the credit authorization in an online application.

Why it can show more than once

One merged pull is one request to each bureau, so a single preapproval normally leaves one Credco entry on each of your three reports. If you shopped two or three lenders that all use Credco, you can see Credco listed several times on the same report. FICO counts mortgage inquiries inside its 14 or 45 day shopping window as one and ignores them for the first 30 days. A later entry can also come from the lender updating your credit before closing, because Fannie Mae requires credit documents to be no more than four months old on the note date.

How to check that you authorized it

1. Line the inquiry date up against your mortgage or refinance timeline, including the day you first asked for a preapproval.
2. Ask your loan officer whether the company uses Credco for credit reports. Many will say so in one line.
3. If you still can't place it, call Credco Consumer Services with the inquiry date. Credco says it can tell you the name of the company that ordered the report.

How to reach Credco (CoreLogic Credco)

Call 800-637-2422 (Monday through Friday, 6 a.m. to 5 p.m. Pacific) or write to the address above. A written request needs your full name, Social Security number, current address, date of birth and signature, plus a copy of an ID and proof of address dated within the last 120 days. Credco can also help you dispute information on the report it produced.

Guides that go deeper

• How mortgage preapproval shows up on your creditA mortgage preapproval usually means a hard pull from all three bureaus. Why one lender shows up three times, how shopping is scored, and what to avoid.
• Rate shopping for a loan without wrecking your credit scoreFICO counts mortgage, auto and student loan inquiries made within 14 to 45 days as one. The three rules, a worked timeline, and what isn't covered.
• Removing hard inquiries you didn't authorize, the legitimate wayAn inquiry you never authorized can be disputed, and one from fraud can be blocked. One you did authorize can't. How to sort them and fix each kind.
• Why you get flooded with calls after a mortgage credit pullCredit bureaus used to sell your mortgage inquiry to rival lenders within hours. A federal law limited that in March 2026. Who can still call you, and why.
• Hard vs. soft inquiries: which credit checks count against youA hard inquiry comes from a credit application and can trim your score. A soft one never does. A table of the common checks, gray zones included.