Author Topic: Credit Score  (Read 1446 times)

Offline Esther

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Credit Score
« on: November 23, 2010, 10:50:30 AM »
Where can I check my credit score for free without lowering it?

Offline AsherO

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Re: Credit Score
« Reply #1 on: November 23, 2010, 12:38:35 PM »
Where can I check my credit score for free without lowering it?

None of the credit monitoring services lower your credit when you check it.
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Offline Esther

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Re: Credit Score
« Reply #2 on: November 23, 2010, 02:27:17 PM »
Are you sure about that? Several people told me that it does. I always found that idea strange though. Like why would just checking lower it?

Online gozalim

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Re: Credit Score
« Reply #3 on: November 23, 2010, 02:42:23 PM »
None of the credit monitoring services lower your credit when you check it.
i think she's referring to the hit from a hard pull. i assume any way you check would do that...

Offline AsherO

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Re: Credit Score
« Reply #4 on: November 23, 2010, 04:27:55 PM »
Are you sure about that? Several people told me that it does. I always found that idea strange though. Like why would just checking lower it?

Only hard pulls/inquiries show up on your credit report. I've never seen an inquiry from a credit monitoring service (e.g. myFico, CreditKarma, Citi dentityMonitor etc.)

i think she's referring to the hit from a hard pull. i assume any way you check would do that...

I'm quite sure such inquiries aren't reported.

For example, see here.
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Offline elikay

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Re: Credit Score
« Reply #5 on: November 23, 2010, 04:36:13 PM »
Any inquiry originated by you will not affect your score.