Truework on your credit report: what this inquiry means

Who Truework is

Truework collects data to verify employment and income. Its reports can also cover credit history, education, professional licenses, criminal and driving records, drug and health screening results and volunteer work. Lenders use it to confirm a borrower's job and pay, and employers use it for hiring checks.

Is it a hard or soft inquiry?

Verifying your job or income isn't an application for credit, so it isn't a hard inquiry that FICO Scores count. If a Truework report includes credit history pulled for a lender, ask that lender how its request was coded at the bureau.

Why it showed up on your report

A lender or landlord confirmed your employment or income, or an employer ran a hiring check through Truework.

How to check that you authorized it

1. Request your Truework report through its help center and note who requested your information.
2. Match each requester to a loan, a lease or a job application.
3. Contact Truework about any requester you can't place.

How to reach Truework

Use the request report information form in Truework's help center, or call 833-878-3967. The CFPB notes that companies required to give free annual reports must respond within 15 days.

Guides that go deeper

• Your rights when an employer checks your creditAn employer needs your written OK to pull your credit and must show you the report before acting on it. The federal steps, plus state and city limits.
• Getting your credit mortgage-ready in 12 months, month by monthA month-by-month credit plan for the year before a mortgage: what to check, what to fix, what to leave alone, and the timing rules underwriters use.
• Specialty consumer reports: ChexSystems, tenant screening and moreBanks, landlords, insurers, and utilities often check reports you've never seen. Who keeps them, how to get yours free, and how to fix errors in them.
• 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.