Fair credit reporting act Tacoma

Telephone: 585-475-2411 fair credit reporting act Tacoma This site's code is xhtml and css compliant. You have probably had people caution you that anytime someone checks your credit score it fair credit reporting act Tacoma will negatively impact your credit. While this issue is more complicated than it seems, there is some truth to this advice. Your credit score is affected in part by the number of inquiries made into your fair credit reporting act Tacoma credit history, but there are different categories of inquiries and some count while others do not. The credit fair credit reporting act Tacoma bureaus that collect fair credit reporting act Tacoma and score your credit call these two types hard and soft inquiries. get credit reports Soft InquiriesSoft credit inquiries are when you fair credit reporting act Tacoma personally check your credit score, or when a business pulls your credit report in order to verify your information before offering you a service or product.  fair credit reporting act Tacoma These types of credit inquiries do not affect your credit score at all.

If you are pulling your credit yourself, the credit bureaus assume that you are using the information for your own personal use and it does not fair credit reporting act Tacoma reflect a desperate need for credit sources on your part. free credit report online canada

You can fair credit reporting act Tacoma obtain a copy of your credit fair credit reporting act Tacoma report for free from each of the three credit reporting agencies once a year. You can fair credit reporting act Tacoma check it more often, but you will have to pay a small fee. A credit card company or other business might pull a copy fair credit reporting act Tacoma of your credit report in order to confirm your identity before sending you a new credit card invitation in the mail. These are also considered soft credit inquiries because they are the result of others trying to solicit your business. You probably had no knowledge of the company’s action and the credit pull does fair credit reporting act Tacoma not indicate that you were seeking more credit lines. credit report check So there is no need to worry about these types of credit inquiries.