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Originally Posted by Diovanka8
Also, I am looking to get my credit score without it affected my actual score. I have heard people say that when you check your score it usually reduces it to maybe 5-8 points. Can I get some help?
Thanks in advance!
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You are not penalized when
you pull your credit report/score. If you have too many other people pulling your score for you or making inquiries then your score can go down a couple of points. However, after 2 years, multiple inquires drop off of your report.
i.e. I was buying my first home and with all of the loan officers and mortgage companies pulling my credit, it reduced 10 points. So at one point, I had to write a letter stating that I was trying to purchase a home and why my score dropped in such a short period of time.
Also, you are allowed to pull your credit from all three credit agencies at least once a year for free. I don't have the website, but I think it was posted by someone else. However, if you want the FICO score associated with it, you might have to pay an additional $5.95, but it is worth it and you have access to your score and report for 30 days.
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