2007-10-25 05:13:28 · 5 answers · asked by john 2 in Business & Finance ➔ Credit
No, this is called a soft pull and doe's not affect your score at all.
The only way your score goes down is if you actually apply for credit.
2007-10-25 05:21:08 · answer #1 · answered by ? 7 · 3⤊ 0⤋
No, it will not affect your score in any way.
Inquiries that will impact your score will be application inquiries (applying for a new credit card or a credit increase.)
Car loans and home mortgages are usually rolled into one inquiry and don't have a high impact on your score.
Collection agency inquiries can be negative although most creditors look at how many times a person or agency has checked your credit and not who has checked it.
It seem that you already know that too many inquiries are bad and over the period of a year if you have 15 or more inquiries it will have a noticiably negative affect on your score. However, it is natural that your credit accounts will be checked and reviewed once or twice a year and that is taken into account.
2007-10-25 05:48:03 · answer #2 · answered by ? 2 · 1⤊ 0⤋
If you have sign up with a credit monitoring service, all review by you are not reported to any credit granters. Your score will not be affected. Why are you checking your score so frequent? You are entitle a free report(s) from Experian, TransUnion & Equifax on an annual basis free of charge in most states. You can log in to: https://www.annualcreditreport.com/cra/index.jsp
Are you planning to apply additional credits or just curious?
2007-10-25 06:24:39 · answer #3 · answered by j g 2 · 0⤊ 0⤋
No. Checking your own credit will NOT affect your score. Nor will creditors know that you checked it, either.
2007-10-25 05:19:57 · answer #4 · answered by Bostonian In MO 7 · 1⤊ 0⤋
Nope.
2007-10-25 05:20:36 · answer #5 · answered by Miss Kim 4 · 0⤊ 0⤋