2006-06-16 12:55:11 · 15 answers · asked by Anonymous in Business & Finance ➔ Credit
I'm not an expert by any means, but I pull and review credit reports almost daily for Apartment Management. It just shows how many times in the last 3 months you've pulled your credit, but through the company I pull the reports, it doesn't lower your score if you do a 3-in-1. However, don't pull your credit more than once a year if you can help it, because it raises eyebrows when anyone else pulls your credit. Hope this helps!
2006-06-16 13:04:37 · answer #1 · answered by personal p 1 · 0⤊ 0⤋
No it wont. Credit enquiries account have about 10% weightage in your Fico score. There are 3 types of credit enquiries
a) Solicited Credit Enquiry: This refers to an enquiry when you apply for a credit thereby authorizing the lender to query your bureau.
b) Promotional Enquiry: This refers to an enquiry when lenders proactively pull you credit report to make an offer to you. This is relating to credit card and other offers you recieve in mail when u havent even asked for it
c) Self enquiry: This refers to enquiry when u pull up your own scores.
Only solicited credit enquiry are taken into account while calculating credit scores
2006-06-16 21:17:49 · answer #2 · answered by vik14_98 1 · 0⤊ 0⤋
No. Requesting copies of your credit reports do not affect your credit scores in any manner.
2006-06-16 13:00:10 · answer #3 · answered by cgspitfire 6 · 0⤊ 0⤋
your score will go down but not that much. the more you are running your credit the more your score will keep dropping.
2006-06-16 13:01:33 · answer #4 · answered by juicyfruitishandsome 4 · 0⤊ 0⤋
No, if you request your own information it doesn't count against your credit score.
2006-06-16 12:59:01 · answer #5 · answered by Anonymous · 0⤊ 0⤋
No. Self-inquiries do not effect credit scores.
2006-06-16 12:58:27 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Anytime your credit is checked or has inquiries it may hurt your score.
2006-06-16 12:58:26 · answer #7 · answered by Mela L 3 · 0⤊ 0⤋
No. You have a legal right to see your own credit report.
2006-06-16 14:33:43 · answer #8 · answered by smilingdoveman 2 · 0⤊ 0⤋
No it will not as long as you only ask for it once a year. There is a way around this. (probably till I mention it.) ask for equifax in Jan, ask for Transunion in May, and ask for Experian in September. Doesn't matter which reports, just the months of asking are...
2006-06-17 04:38:02 · answer #9 · answered by ? 2 · 0⤊ 0⤋
For your free one you can get every year? Is that what you want? No it should't
2006-06-16 13:00:08 · answer #10 · answered by Anonymous · 0⤊ 0⤋