Credit annual report Houston

For example, credit annual report Houston if you sign up for Credit Sesame, a free credit score service, inquiries will show up on your credit report each month but wont count against you credit annual report Houston in any way.

It should even say explicitly on the report that the following inquiries do not affect your credit score.  Theyre just there to let you know that a company is credit annual report Houston pulling your records. Now suppose you already have a credit card open with a company and they want to keep tabs on you. If they do a credit annual report Houston credit check just to see how things are going in your life, it won’t lower your credit score. obtaining free credit report

The same is true of companies researching your credit profile and subsequently sending you so-called credit annual report Houston pre-approved or pre-screened offers; it wont hurt your credit score. In all these instances, you did nothing to prompt the credit check, so you won’t be penalized in any way. If credit annual report Houston you apply for a job and credit annual report Houston your potential employer orders a credit report, it won’t lower your credit score because no new credit is at stake. company credit report They simply want to check out your financial background, so again, it wont affect your credit score. Examples include applying for credit annual report Houston any type of loan, a new credit card, or an increased credit line with an existing card or loan.

These are the only instances when a credit check will lower your credit score, as new credit credit annual report Houston or inquiries for new credit pose new risks, regardless of how great of a borrower you’ve proven to be in the past. Of course, the stronger your credit profile, the less impact these, dare I say, harmful credit checks will have on your credit score. As a rule of thumb, the more credit inquiries you have in credit annual report Houston a short period of time, the more your score will drop, so exercise moderation. instant free credit report

***You can get all 3 of your credit scores instantly for free via two-week trial to see where you stand, without lowering or hurting your credit score!