FICO Inquiry Codes

MyFico.com provides information on the various codes you may find on your credit report associated with inquiries.

PRM - Inquiries with this prefix indicate that only your name and address were given to a credit grantor so they can provide you a firm offer of credit or insurance.(PRM inquiries remain for 12 months.)


AM or AR - Inquiries with these prefixes indicate a periodic review of your credit history by one of your creditors.(AM and AR inquiries remain for 12 months.)


EMPL - Inquiries with this prefix indicate an employment inquiry. (EMPL inquiries remain for 24 months)


PR - Inquiries with this prefix indicate that a creditor reviewed your account as part of a portfolio they are purchasing.(PR inquiries remain for 12 months.)


Equifax or EFX - Inquiries with these prefixes indicate Equifax's activity in response to your contact with us for a copy of your credit file or a research request.


ND - Inquiries with this prefix are general inquiries that do not display to credit grantors. (ND inquiries remain for 24 months.)


ND MR - Inquiries with this prefix indicate the reissue of a mortgage credit file containing information from your Equifax credit file to another company in connection with a mortgage loan. (ND inquiries remain for 24 months.)