topic Re: Multiple Person Inquiries to My Credit Report – Will This Hurt My Score? in General Credit Topics

Multiple Person Inquiries to My Credit Report – Will This Hurt My Score?

Anonymous — Tue, 22 Jul 2008 05:59:50 GMT

Hi there!

Quick question… before I found this website and forum I signed up with Bank Of America’s Privacy Assist Premier and TransUnion’s dispute credit report. The BofA report doesn’t have the CA information matched up with the Collection items which is a big problem, and the TransUnion only shows the TransUnion reported items.

So I am thinking about paying for one of the MyFICO products (probably the Suze Orman package), but I was wondering if my credit score will get hit with me ordering another report. And if it’s worth it.

Thanks!

Re: Multiple Person Inquiries to My Credit Report – Will This Hurt My Score?

Anonymous — Tue, 22 Jul 2008 06:04:31 GMT

Inquiries from you checking your own report does not affect your score.

These type of inquiries are referred to as "soft inquiries"

Have you pulled you free reports? www.annualcreditreport.com

Re: Multiple Person Inquiries to My Credit Report – Will This Hurt My Score?

RobertEG — Tue, 22 Jul 2008 06:07:08 GMT

No problem there,sushik. No FICO scoring impact at all.

Only you can evaluate the value of any consumer product you choose to purchase.

But it will have NO adverse affect whatsoever on your credit score. Pulls of credit reports and/or scores by consumers are totally irrelevant to FICO scoring. FICO totally ignores them in scoring.

Re: Multiple Person Inquiries to My Credit Report – Will This Hurt My Score?

Anonymous — Tue, 22 Jul 2008 17:10:43 GMT

Thank you sidewinder and RobertEG for the helpful and quick responses!