credit history

[burntfish]

Is it true that the more credit report you run the lower your credit will be? My coworker is saying that and I'm calling him shens.

 

[timswim78]

Hard credit reports (e.g., an auto dealer checking your worthiness for a loan) may lower your score, and I do not think that soft ones (you checking yourself) will.

 

[Gooberlx2]

As above, checking your own report should have no effect. Having your credit checked for loans (car, house, payday, etc..) will. Companies that automatically check and send out junk mail based on your credit ("pre-approved" offers) should not affect it.

 

[ViviTheMage]

man, this stuff is asked basically monthly....

......... goober is correct.

 

[Baked]

I used to get pre-approved offers every week. But I haven't gotten any recently. Hmmm...

 

[HardcoreRobot]

yes, but not all credit checks are the same. do some real research

 

[sciencewhiz]

From the Experian home page: "Checking your own credit report will NOT lower your score".

I would think they would now.

And from the creators of the credit score: http://www.myfico.com/CreditEd...n/CreditInquiries.aspx
"Your FICO score is not affected when you check your credit."