when a lender pulls your credit report, can another pull it without hurting your credit?

Answer 1

Every hit raises a red flag. You can get a copy for yourself once a year, free, under the government Web site

www.annualcreditreport.com

Every American can get one copy of the three reports every 12 months but there is no score, just the report.

Answer 2

When you apply for a loan of any kind, your credit report is available for the lender through the credit agencies.

If you had been delinquent in payments or late charges, and they see that it can hurt you.

It is upto the lender to grant you credit on that basis.

Answer 3

I work in this industry and all kinds of lenders can pull your report as long as you are in the purchasing process and eventually when you settle on the loan they will all be combined into 1 inquiry. Lenders recognize that youa re in the process so your score is not effected, however if you decide to not go through with the purchase then all of those inquiries will remain and you can dispute inquiries off of your report.

Answer 4

I work for a mortgage broker and initialy my broker will pull credit on the client, then we print it up, Once we get ready to submitt it to the lender we send the copy of what we pulled, If the lender repulls after we send a copy yes it will lower your credit score.

Answer 5

i think that if u pull your own credit report it will not affect your credit score, if its mortgage company i think a very little chance, a car loan, a little chance too, but if its credit card it will hurt your credit score for not less than six months

Answer 6

Every hit lowers your credit score, but it is taken into consideration if you have multiple hits because you are applying for a car loan or a home loan.

Answer 7

No, every hit on your credit report will affect it.

Answer 8

The only ones that are not recorded are those that you "do not" give permission.

Any creditor can get those, hence, "pre-approved" offers.

Effects are negative if you approve many.