i just requested a credit report about two weeks ago. i don't like that one it's hard to understand so i want a different one. some people say not to pull your credit report often and if that's true than how come? do you think it would be okay to pull it again?
2007-02-21 12:34:48 · 5 answers · asked by need a answer 2 in Business & Finance ➔ Credit
If you are pulling your own report, there isn't any harm. If you are going to different lenders and having them pull your report for different reasons from different bureaus, you will lower your score. You get a free credit report from each of the bureaus each year from the website below. You can use all three today or use one today and save the other two for later on, that way you can rotate and view your report more often. Then 12 months from the last time you received your free report from that particular bureaus, you can run it again for free. The exceptions are if you were denied credit or are disputing an item. If either one of those are the cases, you can pull your report more often for free.
2007-02-21 12:42:12 · answer #1 · answered by Mariposa 7 · 1⤊ 0⤋
You can get your credit report as many times as you like.
The question you should be asking is how many times can you get a FREE credit report. The answer is once per year from each of the 3 major credit reporting agencies. So 3 times per year.
2007-02-22 05:46:56 · answer #2 · answered by Quixotic 3 · 0⤊ 0⤋
If you use www.annualcreditreport.com you can get a copy of your credit report annually from the three major credit bureaus free of any charges.
2007-02-21 18:55:59 · answer #3 · answered by WallyWombat 6 · 0⤊ 0⤋
As long as you are pulling it yourself you're totally fine. You can order them through any number of sites-- www.truecredit.com is a good one. If you dont' go to the "official" Fico site (www.myfico.com) the scores may very slightly. Most major banks use official fico scores (others use the official reports and a formula to figure your score, which is usually pretty close.)
You can order it ten times a day if you want...it wont hurt it any.
2007-02-21 14:48:11 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Its good to do it once a year, as you lose point by getting your report.
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2007-02-21 15:04:48 · answer #5 · answered by Anonymous · 0⤊ 0⤋