Does checking my own credit report and credit score count as an inquiry? Does checking my own credit lower my credit score at all? These are questions that I hear all too often. Confusion about checking your own credit and if it count as an inquiry against you. So I made this quick video that should help you to understand this concept in under 40 seconds. Check out the Inquiry Video:
Please watch the video to understand more about checking your own credit and if it can count as a ding against you.
Check My Credit Without Causing a Hard Inquiry
There are quite a few resources out there to check your credit without causing it to be a Hard Inquiry. The once that I personally use is this credit monitoring website. There are other options out there, I like the one above the best, because it’s the easiest to understand and it also gives you ID Theft Protection. You can also get the Government Mandated free Annual Credit Report here. That is a great report if you don’t plan to do any type of credit restoration or file any kind of disputes. You’ll lose some of your key rights under the FCRA if you dispute from a free annual credit report or if you file disputes online. I made a video about it here: YouTu.be/3jtNludKRlE
There are some free credit monitoring websites out there like CreditKarma.com that allow you to see limited information from one of two credit bureaus. They also show you a Vantage Credit Score, so don’t expect it to be close to the FICO score your lender uses. But the Website and Cell Phone applications can be very handy to manage your credit if you’re on a budget.
The best possible place to get your Credit Report and Scores is from MyFico.com. It’ll show you some 20+ variations of your real FICO credit score. These reports are not cheap, but they can be a great asset when you’re looking to get approved for a large purchase and you’re planning months in advance.
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