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New Visitor
Posts: 1
Registered: ‎05-23-2007
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Will odering a FICO Score/Credit Report from this website lower my score?

Will odering a FICO Score/Credit Report from this website lower my score?
 
Thanks.
Super Contributor
Posts: 8,178
Registered: ‎03-25-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?

As far as I understand it, looking at your own CR from any of the agencies does not affect your score, no matter how many time you do it.
 
If it did, some of the folks here would have negative scores  :smileyvery-happy:
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?

Moderator Emeritus
Posts: 16,374
Registered: ‎03-12-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?

NO, NO, NO!!!!!!!!!!!
Credit Profile -
FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: EX 1, EQ 1

Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring Mastercard ~ Chase Freedom Visa ~ CITI Dividend Platinum World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?

[ Edited ]
No :-) Do as often as you like.

Message Edited by ilovepizza on 05-23-2007 12:58 PM
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
Member
Posts: 6
Registered: ‎05-22-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?

I just found out today with my American Express card that they now have a credit monitoring service-free trial first month, 11.99 a month thereafter... they update you every month with all three credit scores...not too much too spend. And no, if you pull your own credit report it is a soft hit and will not affecct your credit score.  :smileytongue:
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?



knight67 wrote:
I just found out today with my American Express card that they now have a credit monitoring service-free trial first month, 11.99 a month thereafter... they update you every month with all three credit scores...not too much too spend. And no, if you pull your own credit report it is a soft hit and will not affecct your credit score.  :smileytongue:


Remember, those AMEX scores are not your true scores.
Member
Posts: 6
Registered: ‎05-22-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?

I am confused...they report from the three major credit reporting agencies...if these are not my correct scores...what is? They were from EX, EQ, and TR.....
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?



knight67 wrote:
I am confused...they report from the three major credit reporting agencies...if these are not my correct scores...what is? They were from EX, EQ, and TR.....



Have you read?
 
 
Senior Contributor
Posts: 3,071
Registered: ‎05-17-2007
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Re: Will odering a FICO Score/Credit Report from this website lower my score?

They do not report. They retrieve copies or picture images of your credit report files. Since they only take copies there is no hard inquiries. You may find a notation in the history log on your credit files that this action was done, but ONLY you are able to see that as the "owner" of the credit file. Creditors DO NOT see everything that you can see. I retrieved 45 copies of my credit reports in past months. It's more like a photo copy, doesn't modify the original. When a bank looks at your credit report, they are not your the "owner". That is the difference. When you apply for credit your name "is not" on the credit request. It is the business name "Bank Name". Had the business used "YOUR NAME" (illegal for someone other than you to do that) then their would be no negative hard inquiry.

Another example... and how it works more or less.
Points off - This "Business Name" is requesting a credit evaluation for "Your Name" to specifically apply for new credit.

This site here lets you get copies in your name. So it is ignored. And only you can do this no one else.
Ignored - I myself "Your Name" is requesting a credit "copy" for I myself "Your Name"

That should clear everything up. :-)
If we never set higher goals we would never get as far.
sol, credit 101, acr, abbreviations, calc
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