I apologize if this has been asnwered, but I cannot find an answer on these boards.
Does the scorewatch by MyFico act as a "lender" per say, pulling your credit as a hard hit? Does it in ANY way affect credit scores?
Thank you, and my apologies again if this has been answred. If so, I can't see it at my old-ish age.
Nope. You're pulling your own credit, so that doesn't affect your score.
It is specifically mandated that the monitoring of one's own CR will not affect their scores. Only lender pulls.