An 'Inquiry' shows the name of the company or individual who has requested your credit file. Each inquiry is listed on the credit file so that you know who has obtained a copy of it. In addition to checking your file when you first apply for credit, credit grantors typically request regular updates of your credit file after an account has been opened, when it is being renewed, or for limit increases. These are listed as 'update' inquiries in a separate section of your credit file. They are for your information only and are not displayed to other credit grantors.