I know that if too many creditors look at your credit report alot, it will surely lower your credit score; but what if I, myself, look at my credit score alot, will it lower my credit score?
2006-09-03 22:09:19 · 7 answers · asked by winbig 1 in Business & Finance ➔ Credit
No. Checking your own credit report and someone doing a credit inquiry are two completely different things. You could check your report daily and it would have no negative effects.
2006-09-03 22:16:18 · answer #1 · answered by dh1977 7 · 1⤊ 0⤋
Credit Score Exactly What is it and How do You Determine It
By: John R Blakefield
Look on this website - you'll find ALOT useful information.
Good Luck!!!!
2006-09-04 05:11:05 · answer #2 · answered by Eurogirl 2 · 0⤊ 0⤋
Nope not at all. It will show up on teh version you pull as a credit inquiry. However a creditor I sont think will see it at all. But I do know for a fact it doesnt hurt your fico score.
2006-09-03 22:16:58 · answer #3 · answered by Brian M 2 · 1⤊ 0⤋
Not if it's you checking it.
If you have others check it, it will lower your score. There is a loophole... If you are applying for a loan and you have several inquiries in a short amount of time(I think it is a month or two), it will not affect it. They see this as shopping around.
2006-09-04 03:55:46 · answer #4 · answered by sammie 4 · 0⤊ 0⤋
If you look at your own credit report (without the assistance of some third-party intermediary) then your credit score will be unaffected.
2006-09-04 05:21:50 · answer #5 · answered by DaMan 5 · 0⤊ 0⤋
A good source for you to know about the myths of credit score:
Credit Score Myths Explained
http://www.debt-loan-refinance-mortgage-credit.com/category/Credit-Score-Myths-Explained.html
2006-09-04 01:25:11 · answer #6 · answered by Anonymous · 0⤊ 0⤋
I believe it does...each time it's accessed it lowers the score.
2006-09-03 22:15:59 · answer #7 · answered by Roxy 5 · 0⤊ 1⤋