What does it mean when I see "Enquiries" on my credit report when I haven't applied for a loan?

Enquiries are usually made on your credit history when you apply to a lender for a loan.  The lender accesses your CREDIT REPORT to assess your repayment capability. When you see Enquiries that you have not made it means one of 2 things:

1. The lender is making an Enquiry to review your overall financial health

2. Someone with access to your personal information may have approached a lender in order to apply for a loan.  This is worrisome because the lender could believe that the applicant is genuine (even though this may not be the case) and may proceed to sanction the loan.

In the event that a loan is sanctioned by a lender the account will appear on your credit report within 45 days.