@Anonymous wrote:No, pulling your own credit NEVER hurts your score.
Oh, I would never say never . 
A large of number of soft inquiries could conceivably split your file, which could increase your chance of id theft, which could lower your score. I imagine!
@Anonymous-own-fico wrote:
@Anonymous wrote:No, pulling your own credit NEVER hurts your score.
Oh, I would never say never .
A large of number of soft inquiries could conceivably split your file, which could increase your chance of id theft, which could lower your score. I imagine!
No they won't. You pulling your own report will NEVER impact your score.
Oh, I guess I see what he's saying. That would be if ID theft were accomplished via accessing your credit reports. So if you had a split, you'd have twice as many reports, so that would double your chances.
I do believe that ID theft most often happens courtesy of friends and family, who tend to know our birthdates and SSN's and passwords and whatnot, plus those in positions of trust who have access to our records (hospital lab workers, bank employees, etc.) But if it were done via credit reports, that would certainly be something else to think about.
Yikes, what a world...
But yes, split files are a PITA. Luckily, Equifax is so used to them by now that they pretty well know the procedure. 
Very useful to keep an old credit report around, in case the file ever needs to be rebuilt.
yes that Credit repair specialist is correct. I was shopping for a car loan recently and the dealers left me with a total of 17 inquiries from shopping me around. I have one negative that is current with lates as of over 18 months ago and 8 positive accounts as of today. When they were shopping me I had 5 negatives with a score of 635. My score should have increased with the 4 negs dropping off and according to TU I am only at a 651(16pts) and that is bad. So I am assuming that the low score is coming from the inq's. Try not to app for credit unless you are aware of what is on your report and your CR Specialist should be capable of evaluating what is in your report and whats the best route to go based on what you are trying to do.
Also there is nothing wrong with a credit repair specialist. I have recently within the past year became a CR Specialist. It has taken me years to gain the knowledge that I have acquired and wehn someone else is assisting you in fixing your credit blemishes it is less stressful and faster cause they know what to do. I had to do a lot of research and trial and error to figure out what to do. I am not 100% myself, because of the emotions that are involved in the repair of my credit, but with my clients, I have no emotional attachment whatsoever.
And Remember just because it works for someone else on this site does not mean that it will work for you. Look at the dates of the posts, times have changed.
Starting Score: TU:636 EQ:592