Frequent Contributor
Posts: 632
Registered: ‎11-08-2012
Re: Does having a student loan help or hurt your credit?

laz98 wrote:

I actually don't use CreditKarma anymore, because I didn't really care for the layout, but that's just a preference.

 

To be honest, I don't really understand how some of these type of services are able to do it for free, either!  Credit Sesame is another one like CK.

 

It is a soft inquiry, because technically you are in fact pulling your own reports, just via a 3rd party service.  It will not hurt your score at all.


That relieves my mind to know that it's only a soft inquiry then. I was afraid it would be an actual inquiry from THEM pulling it every time, which would completely screw someone up if they didn't know.

 

I will have to check out Sesame...if it's free, why not. Are they only TU as well?

 

TU: 819 EQ: 816 EX 809


*$7500****$9,300****$13500*****$20,250****$10,000***$5900****$6000****$8000****$50,000****UNLIM****$17,000