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Topics addressed on November 10, 2010:
Getting your personal report does not affect credit scores
Does it affect my credit score if I pull my own credit report more than twice a month?
You can get copies of your personal credit report as often as you like without having any impact on credit scores.
When you get your personal report directly from Experian, either through the FACT Act free report process at www.annualcreditreport.com, or through a subscription service such as Experian's www.freecreditscore.com, a “soft” inquiry is added to your report.
Soft inquiries appear only on your personal credit report. They are not shown to lenders and have no impact at all on credit scores.
Thanks for asking.
- The "Ask Experian" team