2006-09-14 09:17:56 · 9 answers · asked by vcundari 1 in Business & Finance ➔ Credit
Thankfully no. Pulling your own credit report or score doesn't lower your score at all. It's when you request others (lenders, CC companies etc) to do it. Hope that helps :-)
In fact you should pull your own credit reports from all 3 bureaus at the very least, annually (once a year).
I alternate bureaus about every 4 months that way I get all 3 in a year's time. Most of what I'm checking for are things on there, that are not mine or reported incorrectly.
By the way, to correct some of the users on here, there is no way I know of to get a free Credit (FICO) SCORE.
Yes...you can get the annual credit report each year ...thanks to Federal Law.. but it doesn't give you the FICO score (you must pay for that).
2006-09-14 09:26:28 · answer #1 · answered by CactusFlower 4 · 1⤊ 0⤋
No, these are considered soft inquires and do not affect your credit score. http://creditwisdom.blogspot.com/2006/09/fico-breakdown-how-your-credit-score.html at this link you will find information on how your credit score is calculated. You are encouraged to check your credit report regularly to make sure there are no errors or unauthorized activities.
2006-09-14 10:20:20 · answer #2 · answered by Anonymous · 0⤊ 0⤋
No, it does not. In fact, it's a good idea to get a credit report each year.
However, it may affect your credit if someone else checks your credit.
2006-09-14 09:25:45 · answer #3 · answered by Ted 4 · 2⤊ 0⤋
it won't if you just want to look at your credit score. any loan or inquire by a company will affect it.
2006-09-14 09:25:28 · answer #4 · answered by Anonymous · 1⤊ 0⤋
Free Credit Score and Report :
http://deal-save-online.com/credit-reports.html
it should affect you if you check yourself..but would affect you if you applied for car loans, credit cards too many times
2006-09-14 09:28:37 · answer #5 · answered by Anonymous · 0⤊ 2⤋
The more times you check your credit rating, the worse it gets.
2006-09-14 09:25:10 · answer #6 · answered by barefoot_yank 4 · 0⤊ 2⤋
no, its free in a lot of states.
2006-09-14 09:25:14 · answer #7 · answered by deby k 3 · 0⤊ 1⤋
It is not supposed to.
2006-09-14 09:25:52 · answer #8 · answered by Blessed 3 · 1⤊ 0⤋
it does, but not much.
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http://www.bestcreditrates.net
2006-09-14 17:39:06 · answer #9 · answered by Anonymous · 0⤊ 0⤋