Quote:
Originally Posted by Kens Digital Media
Your right but not in this case. Getting your own credit report doesn't affect your score and it's smart to know what's going on with your credit. If you have wrong information listed on your report then you can write in and get it fixed so your score will go up.
When you apply for credit (looking for best rate) for example a home loan you can apply at different banks for the home as long as it's in a short period of time. This will be treated as a hard pull and would be grouped as one hard pull, not 2 or 3 or more.
If you apply for a home loan in Jan then apply in March then again in May then that's three hard pulls and your credit score will drop.
Hope that helps explain how this works some  |
100% correct
Also, 79% of credit reports contain mistakes. It is a very good idea to review your report every 4-6 months.
