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I am working on bringing my scores up so that I can qualify for financing for a home. I wonder...if I pull my own scores from "myfico.com", does it hurt the same as if I get a mortgage lender to do it? If I dont periodically check, I will have no idea if the things I have been doing are working (paying bills on time, new cc with less than 2% balance, secured cc). Having a mortgage lender pull it brings my score down so I wonder if I check it here every month would that be just as reliable in terms of seeing what my scores are doing.
Thanks guys!
@MzDandylion0527 wrote:I am working on bringing my scores up so that I can qualify for financing for a home. I wonder...if I pull my own scores from "myfico.com", does it hurt the same as if I get a mortgage lender to do it? If I dont periodically check, I will have no idea if the things I have been doing are working (paying bills on time, new cc with less than 2% balance, secured cc). Having a mortgage lender pull it brings my score down so I wonder if I check it here every month would that be just as reliable in terms of seeing what my scores are doing.
Thanks guys!
Pulling your own score, whether it is through myFICO.com or any other credit monitoring site, does not affect your score. It is a soft inquiry, seen only by you, and not by any prospective creditor.