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Does purchasing myFICO scores tap into credit report?

Established Member

Does purchasing myFICO scores tap into credit report?

Hello,

 

Very new here, but have been lurking (for some time now). 

 

My question is, if I purchase myFICO scores on the monthly plan, will it run my credit, resulting in a hard pull?

 

Thank you!

Bloomingdales $3K | Amex BCP $30K | Chase Freedom $20.5K | Citi Dividend $16K
Chase Sapphire Reserve $14K | Capital One Venture $30K
TCL $113.5K
TU 774 | EQ 774 | EX 772
Message 1 of 4
3 REPLIES
Super Contributor

Re: Does purchasing myFICO scores tap into credit report?


plastikhappy wrote:

Hello,

 

Very new here, but have been lurking (for some time now). 

 

My question is, if I purchase myFICO scores on the monthly plan, will it run my credit, resulting in a hard pull?

 

Thank you!


No it's a never a hard pull for you to request your own report.


FICO8 EQ 743 TU 777 EX 752 Total revolving limits 618800 (508800 reporting)
Message 2 of 4
Valued Contributor

Re: Does purchasing myFICO scores tap into credit report?

Welcome to myFICO,

If the consumer makes the request it should be a soft pull. And that is correct from myFICO. The only place to see all of the standard FICO scores (auto, mortgage etc).

Other sites for various credit scores with a soft pull: Credit Karma, Credit Sesame, CreditCheckTotal (sign up for $1, cancel within 7 days and you call see all three FICO08 scores across all three bureaus.

 

Other places where you can for pre-approval and have only a soft pull: Lending Club, Prosper, Sofi.com and the Capital One Auto navigator. Make sure you READ before clicking through because some of these sites will eventually lead to a Hard Pull of you credit.

Message 3 of 4
Highlighted
Established Member

Re: Does purchasing myFICO scores tap into credit report?

Thank you so much!

Bloomingdales $3K | Amex BCP $30K | Chase Freedom $20.5K | Citi Dividend $16K
Chase Sapphire Reserve $14K | Capital One Venture $30K
TCL $113.5K
TU 774 | EQ 774 | EX 772
Message 4 of 4