when u are denied credit in 60 days free credit report, but? buying the score? gets asoft pull?or a hard pull?
after u are beeing denined credit u recieve a leltter taht u can request a free copy from that agency withinh 60 days, and doing soo will not show a inquiry on ur account, and a minus 3 on ur score but but when u chek out over the phone to get ur freee report u are beeing asked if u wanna purchase ur fico score also with the freee report, for 6 dollar feee, my question is ? doing soo will it be a hard pull with score? purchased, or just a soft pulll like when getting the free report in 60 days? tahnks
Public Comments
- It will be a soft inquire. Also this is the correct information when obtaining your credit report. Some company's will give you incorrect information to attempt to profit from your situation. Credit reporting agencies • TransUnion LLC 800-888-4213 P.O. Box 2000 Chester, PA 19022 • Equifax 800-685-1111 P.O. Box 740256 Atlanta, GA 30374 • Experian 888-397-3742 National Consumer Assistance Center P.O. Box 2002 Allen, TX 75013 Let me know if you have any questions Ryan@robertscreditgroup.com
- https://www.annualcreditreport.com/cra/index.jsp This is a legit site to get your free credit report every year or when ever was your last free online credit report . You can request each time from each of the three biggest credit reporting agency. They all reporting a little different but mostly the same stuff so you can basically request 1 from those 3 company every 4 months to see how you doing if you feel like doing that. Mostly they would try to sell you on the phone so I answer no each time but there was one time they offer the free trial of credit score and I actually want to see what it look like, then cancel as soon as I receive the score. Don't fall into their trick :) . It's not worth it to pay for your fico score when you can have it for free (supposely).
- Anytime you request your credit report directly from the credit bureaus, the inquiry does not affect your score. The inquiry that resulted in the letter does have an effect, and that is it. You can get a copy of all your credit reports plus score in the link below free for the first month
