@Anonymous wrote:
@iv
No, that's actually been a real concern - people talk to a car dealer, or to a bad mortgage broker/lender, who convinces them to "just let me run your credit" in order to see scores.
That's different though, as in your example above someone else is running the check. We're talking about when someone checks on their own scores.
You know that difference. I know that difference. The average non-credit-obsessed citizen? Not so much.
It's still "someone else" checking their report - whether it's a car dealer, mortgage loan officer, Credit Karma, or myFICO... all of them will pull their report on their behalf (and then they'll try to push credit products on them! All of them do that...)
And that is exactly why those disclaimers exist. To deal with the very real concern that most people "new" to the reporting/scoring "game" have, based on past experience that "checking your report" == "negative mark on your report".
@Anonymous wrote:
As for a few years ago, you'd know much better than I, as I've only been looking at my own credit scores for 2-3 years now. Before that for the first 15 years or so of my credit life I never once checked my own scores and would only find out what they were when I took out a loan.
And that's the routine the vast majority of people are still used to - with the associated HP impact. Especially in the mortgage world, since direct access to all three "mortage scores" without an HP is still a VERY recent change.
EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
