Annual credit report free credit report Lansing

There are two different sorts of credit pulls - a soft inquiry, and a hard inquiry. A soft inquiry does not have any effect annual credit report free credit report Lansing on your credit score, but a hard inqury will annual credit report free credit report Lansing lower your score. 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, the annual credit report free credit report Lansing credit pull annual credit report free credit report Lansing must be conducted annual credit report free credit report Lansing through a first or second party service. checking credit score 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 say, annual credit report free credit report Lansing you don't want too many annual credit report free credit report Lansing of those, and it probably isn't a good idea to have your mortgage broker brother check your credit for you either. clark howard free credit report To summarize this information, annual credit report free credit report Lansing you generally do annual credit report free credit report Lansing not need to worry about checking your own credit report, so long as you take care to do it through an official source. What If I Want to Check My Score? Sometimes, just checking your credit report isn't good enough.

You want to know what your credit score is, and unfortunately, I don't know of a way annual credit report free credit report Lansing to get that annual credit report free credit report Lansing for free (at least with no strings attached; either you're paying for it or someone else is). check free credit There are trial programs where you can initially check your score for $0, annual credit report free credit report Lansing but if you don't cancel the subscription, you will eventually be charged, usually on a monthly basis.