Should I get all 3 credit reports and scores from myfico?

[alm99]

I haven't checked our(wife and I) credit reports and scores since December. Since then I have paid off a couple of cards. Last time we checked our reports we checked equifax only. The other two haven't been checked in at least a year. I was speaking with my boss today about personal credit checks and he swears that if you only check you report it doesn't count against you, but if you get your score along with it then it hits your score. Is this true?

 

[slycat]

it won't hit your score if its just u who is requesting it.

 

[alm99]

Originally posted by: slycat
it won't hit your score if its just u who is requesting it.

thats what I thought

 

[HappyPuppy]

It won't hurt your score. Also, the 3 different agencies can have widely varying fico's. My last check had a 41 point spread with Equifax being the highest by quite a bit.