Does Requesting A Free Credit Report From The Three Agencies Lower Your Score Just Because You Asked For It?

By admin - Last updated: Thursday, December 17, 2009 - Save & Share - 3 Comments

I think I’ve heard that credit inquires(for seeking loans,etc.) of the 3 credit bureaus results in lowering the score and is cumulative. The more inquires such as home buying, auto purchase, major appliance or personal loans the lower the score goes each time. If this is true, does it also apply to personal requests for the free annual credit report?

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Posted in Credit Report • Tags: Agencies, Credit, Does, Free, From, Lower, Report, Requesting, Three, Your • Top Of Page

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3 Responses to “Does Requesting A Free Credit Report From The Three Agencies Lower Your Score Just Because You Asked For It?”

Comment from visionvi
Time December 17, 2009 at 11:58 pm

It will not be an inquiry if you request the report from the proper site. Inquiries do lower the score, but usually only if the inquiries are all packed together (showing that you are desperate for money). An occasional inquiry won’t significantly lower your credit score.

Comment from Kiss my Putt!
Time December 18, 2009 at 1:47 am

http://www.altavista.com/web/results?ita…

Comment from gailforc
Time December 18, 2009 at 8:17 am

No, that request is exempt and cannot be seen by potential creditors.

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Does Requesting A Free Credit Report From The Three Agencies Lower Your Score Just Because You Asked For It?

3 Responses to “Does Requesting A Free Credit Report From The Three Agencies Lower Your Score Just Because You Asked For It?”

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