Does getting your free annual credit report affect your credit?
Posted on Jan 17, 2010 with Comments 3
clorinda n asked:
I know that the credit is somewhat based on the number of inquiries on your report. It’s most likely for credit card and loan inquiries, but I’m not sure.
Bud Caradine
I know that the credit is somewhat based on the number of inquiries on your report. It’s most likely for credit card and loan inquiries, but I’m not sure.
Bud Caradine
Filed Under: Credit
Not at all.
It is expected that you check them once a year.
Failure to do so, would look much worse.
Only go to annualcreditreport.com
all others charge you fees for something that is totally free-
always has been.
Don’t fall for tv commercials.
/
There are two different types of inquiries to your credit: soft and hard. When you request your own credit, it is called a soft inquiry and does not affect the score. When a business does it to get your credit rating, it is called a hard query, and that can be reflected in your score.
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