Getting your personal report does not affect credit scores

Dear Experian,

Does it affect my credit score if I pull my own credit report more than twice a month?



Dear LAK,

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 http://www.annualcreditreport.com/, or through a subscription service such as Experian’s http://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

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