Does Getting Your Free Credit Report Take Off Points?
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10 Responses to “Does Getting Your Free Credit Report Take Off Points?”
Comment from Fat G
Time September 30, 2009 at 1:33 am
You do not lose any point when get your free credit report every year as that is soft pull. There are two terms related to credit reports hard pull and soft pull. To know more about them visit http://credit-free-report.blogspot.com/2…
Comment from stormhas
Time September 30, 2009 at 5:26 am
No. You should absolutely check your report annually from all 3 of the reporting agencies: Experien/ Trans Union and Equafax. This way you know if there are inaccurate information that needs to be corrected. You are also entitled to a free report if you have been denied credit, employment or insurance based on a credit inquiry within the last 60 days.
Equifax: 1-800-525-6285, http://www.equifax.com, P.O Box 740241, Atlanta, GA 30374-0241
Experian: 1-888-EXPERIAN (397-3742), http://www.experian.com, P.O Box 9532, Allen, TX 75013
TransUnion: 1-800-680-7289, http://www.transunion.com, P.O Box 6790, Fullerton, CA 92834-6790
Identity Theft can also be spotted by checking your report.
Comment from Dave S
Time September 30, 2009 at 10:00 am
No, but every time someone does a credit check on you it lowers your score.
Comment from Anonymous
Time September 30, 2009 at 3:03 pm
No. As long as you choose a credit reported you trust you should be fine. Some spam or can even steal your number
Comment from Steve R
Time September 30, 2009 at 5:51 pm
No it doesn’t.
Comment from Benita
Time October 1, 2009 at 12:00 am
Nope also anytime otheriwse that YOU yourself check your credit, it will not show on your report that your credit was run. . If somewhere else runs your credit (apartment complexes, mortgage companies, car dealerships) it will show. Hope this helps!
Comment from Jani
Time October 1, 2009 at 3:04 am
If you take a lot of credit reports they think you are always looking for credit ie. a loan. don’t always check it just because it is free. Once a year should be fine.
Comment from joshua k
Time October 1, 2009 at 6:37 am
when you go through the credit reporting agency its self the credit pull is only viewed by you so it has no effect on your score what so ever. you can check and is advised that you check your report often. if you decide you want to check your report often you may want to look into a service that offers credit monitoring.
Comment from SPIFIMAN
Time September 29, 2009 at 10:14 pm
No this is considered a soft pull and does not affect your score in any way.
Attention first poster, step away from the bong.