What is the Free Credit Report site??
I remember seeing a site link posted on here for "true" free credit reports. I think it was a government required for anyone to see their own credit report once a year.
But I can't remember which site it was.
Thanks
But I can't remember which site it was.
Thanks
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Last I heard, that's a state-by-state law. In Colorado, for instance, the credit bureaus simply mail you out a copy of your credit report each year.
Do NOT go to websites like freecreditreport.com, which requires you to enroll in their credit protection service in order to obtain your free report.0 -
That is the correct site,.......but keep in mind that you don't get your FICO score for free, just your 3 agency reports. 0 -
...Couldn't your banker or a friendly car dealer run a credit check and find out your FICO score for you? Just a thought. 0 -
Do keep in mind that your score will go down by about 5 points approx. 45 days after the inquiry. 0 -
Hey Sav,.......that doesn't happen if you do it yourself online does it?
I know it would if he has a banker or car dealer do it.0 -
I have heard with the rise in identity theft that when a person who self inquires (soft inquiry) their credit report it does not lower the score; however, a business inquiry does (hard inquiry). 0 -
quote:Originally posted by Marc1301
Hey Sav,.......that doesn't happen if you do it yourself online does it?
I know it would if he has a banker or car dealer do it.
Yep still will show up as an inquiry. It will come up on the report under the name of what ever credit bureau provider it uses for that website. CBCInnovis - CreditPlus - Credco - Equifax ect.0 -
quote:Originally posted by Jeepgod2002
I have heard with the rise in identity theft that when a person who self inquires their credit report it no longer lowers the score like a business inquiry does.
To the best of my knowledge, there would be no way for the computer program or human anylist to determin if it is a self check or not. Unless maybe some identity theft security company pulled it under their own name. I've never seen a bureau that showed "freecreditreport.com" or any of the others in the inquiry section.0 -
You can spread your reports out over the whole year to keep tabs on your credit. If married you can each get three reports for a total of six. My report and my wife's are virtually identical, though not quite. It does not hurt your score for this type of inquirery. 0 -
quote:Originally posted by ripley16
You can spread your reports out over the whole year to keep tabs on your credit. If married you can each get three reports for a total of six. My report and my wife's are virtually identical, though not quite. It does not hurt your score for this type of inquirery.
After doing some research I found that some self check services are now starting to report a ECOA code which designates them as a self check. Most however at present do not.0 -
quote:Originally posted by sav99
quote:Originally posted by Jeepgod2002
I have heard with the rise in identity theft that when a person who self inquires their credit report it no longer lowers the score like a business inquiry does.
To the best of my knowledge, there would be no way for the computer program or human anylist to determin if it is a self check or not. Unless maybe some identity theft security company pulled it under their own name. I've never seen a bureau that showed "freecreditreport.com" or any of the others in the inquiry section.
http://www.associatedcontent.com/article/131357/hard_and_soft_credit_inquiries_explained.html
There's a lot of talk about hard and soft credit pulls, especially when talking about signing up for new bank accounts or applying for any sort of credit account. Essentially these are credit inquiries into your credit score when a third party, such as a bank, would like to examine your credit history.
Essentially, a soft pull is a credit inquiry which does not affect your credit score in the lightest. You can have over a thousand soft pulls on your credit score, but it won't matter because they are not visible to anyone else checking your credit report, such as the Fair Isaac corporation which calculates your fico score. These soft pulls are done on a regular basis, often with out your knowledge.
Generally a soft credit score can be done by anyone else for a number of reasons. For example, if a credit card company or mortgage company would like to send you a pre approved loan offer, the will use a soft pull. Your current bank will use a soft pull to make sure you aren't opening dozens of other credit card accounts. When a bank wants to verify your identity when opening an account, usually they will do a soft pull. You are also doing a soft pull when you check your own credit history or credit score.
Since soft pulls do not affect your credit, it only makes sense that a hard pull would effect your credit. A hard pull only occurs when you have given express permission for one to occur. It's usually hidden in side some agreement you sign when you open up a new savings account or credit card offer and the like. If a hard pull is done on your credit, your FICO score will lower about 5 points for the next six months, and will also be visible to anyone checking your credit.0 -
When you shop around for auto insurance, since they go so much off of your credit rating any more,......is that a "soft", or a "hard"?
I think "hard", but can't you have several of them pull your report, and it is only one hit, if within so many days, for the same purpose?0 -
quote:Originally posted by Marc1301
When you shop around for auto insurance, since they go so much off of your credit rating any more,......is that a "soft", or a "hard"?
I think "hard", but can't you have several of them pull your report, and it is only one hit, if within so many days, for the same purpose?
There is a big difference in an inquiry about your credit and an inquiry to give you credit. Shopping for insurance is about credit, in other words how stable and responsible you are. Shopping for a car is a hard hit because the purpose is to give you credit. This is why you should not give permission to do a credit check until you are ready to buy. Too many "for credit" inquiries hurt because it appears you are about to overextend yourself.0
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