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spydee | I have been told that every time one checks their credit rating, it actually goes down--is this true? Thanx!? |
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 |
 
Jo
 |
Checking your own credit report and credit score counts as a soft inquiry and does not go against your score. However, if anyone else like a lender or credit card company is checking your credit report, this is considered a hard inquiry and will generally knock off about 5 credit score points. |
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jpr302001
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When you check your own, there is no effect. When companies check it without express permission, it doesn't go down, but when you apply for credit or authorize a company to check your credit, then yes, it goes down a LITTLE bit... not enough to make a difference unless you're on the edge. |
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Heaven L
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It only goes down if a company you want a loan from , or any company in fact does a credit check on you. If you obtain your own credit report, it has NO effect on your score. |
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Sharon F
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no not true
if you applying for credit and they run your credit then YES it dings your score (down)
if you pull your credit its considered a soft inquiry and does NOT affect your score (remains the same)
if one of those credit card companies look at your credit without your knowledge or consent (they seeing if you qualify for their credit card) its a soft inquiry and does NOT affect your score (remains the same) although it will be shown on your credit report
.... |
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quantumrift
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No. However a LOT of credit checks in a short period of time might BECAUSE that means you are either running up your credit or trying to. One or two a quarter (three months) isn't bad. |
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JuggaloSoldier
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only if a crediter is looking at it. you can get a free credit report once a year from the 3 major credit agencies....experian, equifax, and transunion...without effecting your credit(space it out right and you can get a credit report every 4 months. when a crediter looks at your report it just shows you are trying to get credit or trying to use too much of it. that will make it go down. |
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jesusrocks
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If you talk to your local bank loan originator, they will tell you that anytime your credit score is looked at by a prospective lender - whether you are getting a mortgage, auto loan/lease, pre-approved credit cards, department store credit cards, etc....that this will affect your overall credit score |
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Noone i
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You can check it. Mortgage companies and credit card companies cause it to go down. |
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RH
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You're given a time or two per year where you won't be penalized. If you or anyone else continually checks your credit, your score goes down. I have experienced it firsthand. My credit score is, I'm proud to say, is now a whopping 832. It hasn't always been so. At one time, while searching for a truck, auto dealers would say "While you continue to shop, let me get that old credit check out of the way. That way you can go shop other dealers. When you get back, you'll be pre-approved." DON'T DO THIS!!!
A check is a strike against you. Guard your credit score!!
Mine is high for a reason. I've learned the hard way, over 46 years. |
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bluesky
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No thats not true |
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whatsit2u
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no it's not you can check your own credit everyday if you want to . for around 15 bucks a month you can monitor all 3 credit bureau's and they will even email you when anything changes |
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MJ
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no its not true! |
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bobby d
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Nope |
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taraden
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I don' think it actually goes down but the concern lies with the number of people checking into your credit report. This might make a company not want to give you credit... because so many others have been looking into it as well. |
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gheromedavid
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yes,, cause you are charged for the transaction services |
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