The companies listed below obtained information from your consumer report for the purpose of an account review or other business transaction with you. These inquiries are not displayed to anyone but you and will not affect any creditor's decision or any score (except insurance companies may have access to other insurance company inquiries, where permitted by law). 去银行开户是不会影响信用记录的，大家放心。

我是因为申请citi的信用卡悲剧才拿到这个report的，不看不知道一看吓一跳，万恶的citi，说我有一次late payment才句的我，结果报告上根本就没有显示，一切都正常，除了有4个hard inquiry (两个属于citi, ft,尤其是那个CD).算了，我也不想跟citi去argue了，以后大家跟他打交道要千万小心了，服务态度差，开个账户要好长时间，还在credit report上有不好的影响,sigh,。。。。。。。。。。。。。。。。。。。。