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Free Credit Report
Posted on 9/30/08 at 6:15 pm
Posted on 9/30/08 at 6:15 pm
So, I heard if I checked my credit score on freecreditreport.com, then it would decrease my credit score. Is this true? Thanks.
4
Posted on 9/30/08 at 6:22 pm to Scooby
www.annualcreditreport.com
NOT freecreditreport.com
freecreditreport.com is a scam, annualcreditreport.com is the one you want.
NOT freecreditreport.com
freecreditreport.com is a scam, annualcreditreport.com is the one you want.
Posted on 9/30/08 at 6:23 pm to Scooby
I've never heard that, and I'm 99.83% sure that it's not true.
Your credit score is only affected when you permit a company to do a credit check so that you can obtain a loan.
Your credit score is only affected when you permit a company to do a credit check so that you can obtain a loan.
Posted on 9/30/08 at 6:23 pm to Scooby
quote:
So, I heard if I checked my credit score on freecreditreport.com, then it would decrease my credit score. Is this true? Thanks.
No. Pulling your own report is not treated as a "credit check" like from a lending institution. It will have absolutely no effect at all
Posted on 9/30/08 at 6:25 pm to Scooby
Please, please, please do not use freecreditreport.com. Use annualcreditreport.com instead.
Freecreditreport is a for-profit company that signs you up for an extremely expensive and extremely worthless service billed monthly in exchange for a credit report.
Annualcreditreport is a government-mandated service provided by the 3 credit reporting agencies for free.
I've heard, but can't say for sure, that having lots of inquiries is a red-flag for any interested party. A credit rating is a completely subjective measure of credit. Any established loan company will make their own decision based on the information in the report rather than the rating.
Freecreditreport is a for-profit company that signs you up for an extremely expensive and extremely worthless service billed monthly in exchange for a credit report.
Annualcreditreport is a government-mandated service provided by the 3 credit reporting agencies for free.
I've heard, but can't say for sure, that having lots of inquiries is a red-flag for any interested party. A credit rating is a completely subjective measure of credit. Any established loan company will make their own decision based on the information in the report rather than the rating.
Posted on 9/30/08 at 6:33 pm to tom
Thanks for all of the info guys, i will go with the annual credit one.
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