Free Credit Report?

Will getting a free credit report hurt my credit score?

Public Comments

1. Be very cautious of the sites you use to get a credit report. I would only trust the Major Credit Bureaus. You can get a 3 in one on the Equifax site along with your FICO score. No, this has no bearing at all on your credit report, as it is not considered an "inquiry". You also need to know that most states allow one free credit report annually, so you can request your free report in writing.
2. No it will not. When you check your own credit it's called a soft pull and there is no penalty for those. Be sure to use www.annualcreditreport.com this is the site recommended by the 2007 edition of Consumer Action Handbook and all three credit bureaus.
3. No. Pulling your own credit report will not hurt your credit. Only when a lender or third party pull your report will affect your credit score.
4. go to www.annualcreditreport.com its free once a year although you have to pay to receive your score.no it doesnt affect your score
5. No this does not affect your score, unless you find inaccuracies that you can remove, which will help your score. The annualcreditreport site is a pain in the butt, they send the report through the mail. I signed up for a free credit report and free credit scores from all 3 bureaus from this website:http://answerslinks.com/creditreport.asp They have a 7 day free trial, just cancel within 7 days and you get it for free, otherwise they charge you a monthly fee to monitor your credit.