2006-09-11 13:47:30 · 19 answers · asked by wolf_of_our_father 1 in Business & Finance ➔ Credit
As long as you pull your own reports it will not do a thing to your scores.
If you apply for credit or ask a lender to pull your report for you, then that will negatively affect your credit.
So many posters answer and only a small few even have a clue - sheesh
lol oleurud
2006-09-11 13:53:36 · answer #1 · answered by echo 7 · 1⤊ 0⤋
No,
Credit Score Myths Explained
http://www.debt-loan-refinance-mortgage-credit.com/category/Credit-Score-Myths-Explained.html
2006-09-13 01:41:12 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Echo is right! Pulling your own credit reports will not hurt your credit score.
At www.annualcreditreport.com you can get your free report from each of the three credit bureaus.
Although, there's really no need to keep pulling your reports, as nothing will change that quickly.
2006-09-11 14:05:25 · answer #3 · answered by Celeste 6 · 1⤊ 0⤋
usually any time you look for a loan or try to get a credit card that's noted on your credit report. I'm pretty sure if the creit bureau itself checks something then it's noted as well but under a different kind of notation.
Why would be interested in your credit score? The only time you should be checking your credit score is if/when you go to buy a house, and you only need to check it twice...once to see initially how low/high it is, and once after you've done a lot of things to correct that over the years.
2006-09-11 13:51:51 · answer #4 · answered by sophieb 7 · 0⤊ 2⤋
confident, this is actual. It does decrease your score yet very little or no. do no longer difficulty approximately it. credit playing cards will screw you each which way they might. basically be on time, dont keep a great stability, dont cancel a card or be conscious/get a sparkling one. Even appling for a mastercard can decrease your score. it rather is ridiculous. All this cr*p impacts are ability to get a loan, employ an house and purchase a motor vehicle? I hate it, in spite of the fact that it rather is what it rather is.
2016-11-07 03:26:47 · answer #5 · answered by Anonymous · 0⤊ 0⤋
Pulling your own credit report, just to check it, will not hurt your score. Having it pulled by other people, like when applying for credit, will hurt it.
2006-09-11 14:54:56 · answer #6 · answered by Jason M 2 · 2⤊ 0⤋
No, you can get as many copies of YOUR OWN credit report without it having any effect on your credit report, it is called a "soft inquiry". Only hard inquiries have a ngative effct on your report. To see how you credit score is calculated see http://finance-girl.blogspot.com/2006/09...
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2006-09-12 07:03:50 · answer #7 · answered by Anonymous · 0⤊ 0⤋
If you are pulling your own credit report, NO. This does not effect your score at all!! its only "inquiries" by a third party (like requesting a credit card) that can hurt your score.
I have a monitoring service and I can check it every 24 hours and it doesn't ding me one bit!
2006-09-11 14:35:13 · answer #8 · answered by Anonymous · 2⤊ 0⤋
Yes. You are entitled to check for free once per year. After that once per year check, companies asssume that credit inquiries were done by other vendors. Therefor, they will wonder why you are applying for so many things. Your score goes down with each additional check, as does the opinion a lender will form.
2006-09-11 15:17:02 · answer #9 · answered by ShouldBeWorking 6 · 0⤊ 2⤋
Not getting reports. Now applying for credit, whether you use it or not can affect your credit, e.g., you apply for preapproval on a car or something but then don't buy can though
2006-09-11 13:50:15 · answer #10 · answered by Poppies_rule 3 · 2⤊ 0⤋