Saturday, October 31, 2009

Does your credit score go down if you check your own history??

Like if you look at you credit report once a month thru one of those websites??



Does your credit score go down if you check your own history??

No it does not... IF you order the score directly from a credit reporting agency, or from the Fair Isaac company.



From the Fair Isaac Website:



閳?Many kinds of inquiries aren閳ユ獩 counted at all. The score



does not count it when you order your credit report or



credit score from a credit reporting agency or the



myFICO service. Also, the score does not count



requests a lender has made for your credit report or



score in order to make you a 閳ユ笡re-approved閳?credit



offer, or to review your account with them, even though



you may see these inquiries on your credit report.



Requests that are marked as coming from employers



are not counted either.



Does your credit score go down if you check your own history??

Consumer inquiries do not influence your credt score, nor will a consumer inquiry appear in a report requested by a lender. Also, the best place to check your own credit is at:



www.annualcreditreport.com



Does your credit score go down if you check your own history??

No.....

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