7 Thoughts on Does it hurt my credit score when I pull my credit report?
  1. Reply
    August 25, 2012 at 7:32 am

    Too many inquirers can hurt the credit score be careful

  2. Reply
    August 25, 2012 at 7:59 am

    Hurt is a bad word. It will have a minimal effect. That said when creditors or potential employers pull it it adds up

  3. Reply
    August 25, 2012 at 8:51 am

    It shouldn’t hurt your score – sometimes an inquiry will take off a couple of points if a bank or credit application check the score, but it’s not significant unless you do it a lot. It’s recommended that you do a credit check once a year, just to monitor for identity theft and mistakes.

    There are three main credit score entities, each of which is required by law to give you one free credit report annually. They are Experian, Equifax, and TransUnion. If you go through another site to get your report, I think they literally just check with those companies, the same as you can do.

  4. Reply
    August 25, 2012 at 8:59 am

    Both the other responders know nothing. It NEVER hurts when you check your own credit.

    You cannot really check your score for free. All such sites will need your credit card number and will sign you up for a monitoring service. If you then cancel immediately, OK. But a lot of people have trouble cancelling and the sites rely on this.

  5. Reply
    August 25, 2012 at 9:56 am

    Only hard inquiries which are the result of a credit application impact your score and then for only a couple points.

    Pulling your own credit is a soft inquiry and has no impact on your score.

    The only place you can get real FICO scores is MyFico.com. Everywhere else, including all three credit bureaus, will give you non-FICO scores — some on a different scale. These are all worthless. Never pay for a non-FICO score.

    CreditKarma.com offers a free score estimator. It is not FICO but within 50 points or so. Good enough if you are just curious.

  6. Reply
    Calvin C
    August 25, 2012 at 10:22 am

    any pull you do has no affect on your score at all. neither do pulls from insurnace, employers, or exsting lenders

  7. Reply
    August 25, 2012 at 10:42 am

    Nope, it does not hurt your credit score. Why would it?

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