<prompt> Human: I am my wife are students, who recently moved into a rented apartment. When we moved there, we had to submit to a background check. I recently read from the creditcarma that there are two kinds of enquiries, and that the background checks are soft enquiries, whereas hard enquiries are done before loaning any money. However, on checking our accounts, we see that there is a hard enquiry from bemroseconsulting which seems to be related to the rental agency. Is this a common occurrence? Is there anything I can do? From looking at the FAQwiki, it seems that the hard enquiry is typically about 5 points, and will fall off after 2 years, but we really dont want to have any enquiries that I have not initiated on our accounts.  <response>: Credit checks by land lords are very common. You likely signed an application that also included authorization to run your credit. You can try and dispute it, but it seems rather pointless due to the minimal impact and time it stays on your report. 