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“FDC” stands for Factual Data Corp., a credit information provider whose services some lenders use when evaluating borrowers’ applications. Although the company changed its official name to “Kroll Factual Data, Inc.” in 2003, it’s still possible that a credit inquiry would list the old acronym. So if you recently applied for a mortgage, apartment rental or another type of product or service requiring a credit check, that could explain the FDC inquiry on your credit report.
Just to be safe, though, it’s a good idea to call the lender or creditor you applied with to verify Factual Data Corp.’s involvement. A suspicious hard inquiry on your credit report can be a sign of fraud. And if that’s the case, sorting out the issue as soon as possible will help you minimize the hassle and potential cost. You can check out our article on unauthorized credit inquiries for more information.
Furthermore, you can sign up for a WalletHub account to get free 24/7 credit monitoring (plus daily credit score and report updates), which will help you keep tabs on your personal information.
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