When you open a checking account at a bank, and they run a credit report, does it negatively affect your score

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When you open a checking account at a bank, and they run a credit report, does it negatively affect your score

I've heard that in some cases pulling a credit report can negatively affect your score.

2007-06-27 05:12:42 · 2 answers · asked by J.A. 1 in Business & Finance ➔ Credit

the credit report is optional

2007-06-27 05:24:18 · update #1

2 answers

They do not run a credit check they run something to see if you owe any other banks, for example overdraft fees etc.

2007-06-27 09:01:24 · answer #1 · answered by Pengy 7 · 0⤊ 0⤋

It can, but its very minor. On average 3pts. And they get earned back quickly so dont sweat.

I didnt even realize they ran credit reports when you opened a checking accoung. I dont see why they would since they are ones borrowing from you lol.

2007-06-27 12:18:08 · answer #2 · answered by Anonymous · 1⤊ 0⤋