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Does purchasing myFICO scores tap into credit report?

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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
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Message 1 of 4
3 REPLIES 3
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.


Total revolving limits 639500 (558000 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
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
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