Does it look bad when I request my own credit report?

Question

A woman reviewing my credit at a credit union today said that it generally looks bad if my report has been accessed 6 times in one year by credit card companies or lenders. When I access it myself...is that a strike against me too?

Answer 1

no. you should check it ..

Answer 2

There is no penalty for you checking your own credit as long as you purchase it or request it through the credit bureaus directly. Just remember you are allowed 1 free credit report a year and you can recieve a free credit report any time you are denied for credit, but these free reports well not contain your credit score. The only way to get your credit score is to buy it! You can buy as many reports as you want through out the year with out penalty. The other thing to remember is while an inquiry well show up on your report it does not affect you or your score and it is only seen by you, when ever a bank pulls your credit they only see hard inquiry's or inquiry's that you requested that are attached to an offer of credit. In fact if you like to keep up on your credit, and its a good idea to keep up on your credit, all of the credit bureaus sell services such as score watch which allow you to recieve alerts whenever your credit changes, I actually get alerts on my mobile phone every time my score changes or a balance changes on one of my credit cards. Its a great service and not very expensive for the piece of mind it offers. As far as the set amount of times a creditor can look at your credit before anybody thinks it looks bad is subjective to every different lenders credit model, but typically if you apply for credit and receive it, it usually doesn't hurt you becaus it doesn't look like your desperate for credit and applying every where and every chance you get, you'll look more stable if you only apply for credit when you need it! Good luck!

Answer 3

definite that's authentic, yet once you're buying for a private loan or an motor vehicle mortgage and as long because of the fact the credit pulls are interior of two weeks you're basically hit one time. The credit reporting companies be attentive to that individuals will save.

Answer 4

There are 3 types of inquiries on your report:
Self-inquiries are not reported and have no effect on you credit score.
Hard inquiries are when you apply for credit and the creditor pulls your report. These have the greatest impact on your score.
Soft inquiries are when your report is pulled for other purposes, such as by a potential employer. I'm not sure if they affect your score or not.

Answer 5

yes. but no to your first question on whether it looks bad if YOU check your report. anytime your credit is checked, regardless of who does it, is marked on your score. there is a new model which will be rolling out by years end that will elminate that little feature from dropping your score. some banks/lenders will accpet it and others will not so it all depends.

Answer 6

You personally are allowed to view your credit report one time per year. The only way to do this without penalty is to go to through the credit bureaus themselves.

Answer 7

yes, when you get a credit report it counts against the 6 per year.

Answer 8

Everytime your credit is pulled by you or someone else it's a mark. It takes a lot to make a negative impact though. 6 seems perfectly fine.

Answer 9

I don't think so b/c some credit bereuas ask that u check your credit every six months, b/c of identity theft issues.

Answer 10

I don't see why it would be? You're just seeing how your credit looks. Plus, what's one more person?

Answer 11

no, you can request you're credit report for free once a year... ask your bank and ask them what you're FICO score is