3 credit score Macon

All you need to do is join my FREE credit advice e-letter, and I'll make it my mission to make sure that you have the tools you 3 credit score Macon need to work on increasing your credit score. Just click the text below that says Increase 3 credit score Macon My Credit Score. Does checking your 3 credit score Macon own credit report lower your score? If you've heard that when a lender checks your credit it can have a negative impact on your credit 3 credit score Macon rating, then you may be wondering what effect (if any) checking your own credit report has. how to get a credit report free Keeping up to date with your latest report and score is important to maintain a healthy credit profile, so let me go ahead 3 credit score Macon and put any fears you may have about this to rest. There are two different sorts 3 credit score Macon of credit pulls - a soft inquiry, and a hard inquiry. A soft inquiry does not have any effect on your credit score, but a hard inqury will lower your score. credit score free When you check your own credit report, it is usually a soft inquiry, so it has no effect on your credit score. To be considered a soft inquiry, 3 credit score Macon the credit pull must be conducted through a first 3 credit score Macon or second party service. When you use the credit bureaus directly, or a website which is owned by one of the credit bureaus, or the official annualcreditreport.com, it will usually be considered a soft inquiry. When a third party pulls a complete report on you, it will be considered a hard inquiry, and cost you about 5 points on your credit score. Needless to 3 credit score Macon say, you don't want too many of those, and it probably isn't a good idea to have your mortgage broker brother check your credit for you either. credit free report score

To summarize this information, you generally do not need to worry about checking your own credit report, so long as you take care to do it 3 credit score Macon through an official source.