Does asking for a copy of your credit report affect your FICO score?
I would like to request a copy of my credit report from one of the credit reporting companys to see my score. Does it affect my credit the same as it would if a lendor ran a credit check?
No. Only multiple applications for a credit line in a short time will affect your score.
While it is true that you are entitled to one free credit report from each of the 3 bureaus (Trans Union, Equifax, Experian) every 12 months, your credit report does not list your credit SCORE.
To obtain your score, you will be required to pay a small fee (usually less than $10). Be advised that credit scores are not fixed and change fairly regularly depending on how much you use and pay off credit like cards and/or loans. It is worth the price to determine if you haven't checked your score in the last year.
No.
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Absolutely not
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no. do it online its free
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You are intitled to one per year.
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No.
You can get all three free (once a year) at
http://www.annualcreditreport.com
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nope.
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No, absolutely not. You are allowed 1 per year.
Typically, this is used as a "scare-tactic" to ensure that you don't go to another vendor.
Go online, they have numerous sites that offer free credit reports.
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If you go through one of the three reporting credit agencies, it will not negatively affect your FICO score. However, if you go through a broker, bank, or any other financial institution then it is an inquiry. However, having one or two inquiries most likely will not lower your score. Excessive inquires can lower your credit score.
The earlier comment of that you receive one per year is in reference to a free credit report. However, these free reports do not show your credit scores.
References :
No. Only multiple applications for a credit line in a short time will affect your score.
While it is true that you are entitled to one free credit report from each of the 3 bureaus (Trans Union, Equifax, Experian) every 12 months, your credit report does not list your credit SCORE.
To obtain your score, you will be required to pay a small fee (usually less than $10). Be advised that credit scores are not fixed and change fairly regularly depending on how much you use and pay off credit like cards and/or loans. It is worth the price to determine if you haven't checked your score in the last year.
References :
http://www.experian.com
http://www.transunion.com
http://www.equifax.com