it was a 721 then it went down to a 714 and i never missed a payment
2007-05-23 18:53:03 · 5 answers · asked by gollum_87 1 in Business & Finance ➔ Credit
Like another poster said - scores do fluctuate.
You can check your credit report and scores as many times as you like and it will have absolutely nothing to do with lowering your scores UNLESS you have a company pull your reports for you (which some people mistakenly do just to save some money).
Pulling your own reports are only soft inquiries - which do not hurt your scores. Having someone else pull for you or applying for credit are hard inquiries - which do hurt your scores.
2007-05-23 19:13:48 · answer #1 · answered by echo 7 · 1⤊ 0⤋
you are allowed to check it,...anytime but more then once a year counts as an inquiry but it wont hurt you like other people inquiring about you. you do not want others constantly checking you as it will nick you every time and that you will see on your report!
your score could have dropped because of inquiries, higher debt ratio, cards not open long enough, etc
2007-05-23 19:01:12 · answer #2 · answered by teesquareddesign 3 · 0⤊ 0⤋
Inquiries done by yourself are a "soft" inquiry, and do not factor into your score. Has your balance increased lately? The higher your debt compared to your available credit, the more adversely your score is affected.
2007-05-23 19:12:49 · answer #3 · answered by saywut 2 · 0⤊ 0⤋
It depends on how you check it; but you checking it should not affect it.
It may have gone down for any number of reasons. Your score will fluctuate from time to time and will not be the same all the time.
2007-05-23 19:03:00 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Because they don't know it's you. It looks like people are checking on you.
2007-05-23 18:57:39 · answer #5 · answered by suz665 4 · 0⤊ 0⤋