ree Credt Reports

[SDEngineer]

“Don’t these “free” credit reports appear as a credit check which can cause your score to drop?”

It shouldn’t. Only credit checks which are for the purpose of extending credit are (or should) be marked as a “hard inquiry” on your report.

For example, if you go to rent an apartment, the apartment management company will generally pull your credit, however, this check should not show up on your report (and if it does, you can dispute it and get it deleted), as it was for a purpose other than extending credit to the person. Same goes for pre-employment credit screenings.

[Raybyrnes]

SDEngineer

Soft crdit inquiries will show up on your credit report which is a good thing becasue it allow you to know who is actually looking at your credit.

This type of inquiry does not impact your credit scoring. As you suggested it is only hard credit pulls tht impact it.

Per Springboad (a Non profit credit management)

What makes up ytour credit

35% payment history

30% Amount Owed

15% Length of Credit History

10% Type of Credit Used

10% BNew Credit Inquiries

[Raybyrnes]

SDEngineer

Soft crdit inquiries will show up on your credit report which is a good thing becasue it allow you to know who is actually looking at your credit.

This type of inquiry does not impact your credit scoring. As you suggested it is only hard credit pulls tht impact it.

Per Springboad (a Non profit credit management)

What makes up ytour credit

35% payment history

30% Amount Owed

15% Length of Credit History

10% Type of Credit Used

10% BNew Credit Inquiries

[Raybyrnes]

SDEngineer

Soft crdit inquiries will show up on your credit report which is a good thing becasue it allow you to know who is actually looking at your credit.

This type of inquiry does not impact your credit scoring. As you suggested it is only hard credit pulls tht impact it.

Per Springboad (a Non profit credit management)

What makes up ytour credit

35% payment history

30% Amount Owed

15% Length of Credit History

10% Type of Credit Used

10% BNew Credit Inquiries

[Raybyrnes]

SDEngineer

Soft crdit inquiries will show up on your credit report which is a good thing becasue it allow you to know who is actually looking at your credit.

This type of inquiry does not impact your credit scoring. As you suggested it is only hard credit pulls tht impact it.

Per Springboad (a Non profit credit management)

What makes up ytour credit

35% payment history

30% Amount Owed

15% Length of Credit History

10% Type of Credit Used

10% BNew Credit Inquiries

[Raybyrnes]

SDEngineer

Soft crdit inquiries will show up on your credit report which is a good thing becasue it allow you to know who is actually looking at your credit.

This type of inquiry does not impact your credit scoring. As you suggested it is only hard credit pulls tht impact it.

Per Springboad (a Non profit credit management)

What makes up ytour credit

35% payment history

30% Amount Owed

15% Length of Credit History

10% Type of Credit Used

10% BNew Credit Inquiries

[noone]

Right, there are three basic types of credit checks.
Self checks – you are getting your own credit report
Soft checks – CC companies are deciding who to send junk mail to
Hard checks – you apply for a car loan

The first two do not affect your credit score, but the hard check can. I thought that I read a few years back that the so called free credit reports showed up as a hard check. That’s why it was such a big deal when the government set up annualcreditreport.com so that everyone could get a free credit report once a year without having it show up as a hard (or soft) check.

[noone]

Right, there are three basic types of credit checks.
Self checks – you are getting your own credit report
Soft checks – CC companies are deciding who to send junk mail to
Hard checks – you apply for a car loan

The first two do not affect your credit score, but the hard check can. I thought that I read a few years back that the so called free credit reports showed up as a hard check. That’s why it was such a big deal when the government set up annualcreditreport.com so that everyone could get a free credit report once a year without having it show up as a hard (or soft) check.

[noone]

Right, there are three basic types of credit checks.
Self checks – you are getting your own credit report
Soft checks – CC companies are deciding who to send junk mail to
Hard checks – you apply for a car loan

The first two do not affect your credit score, but the hard check can. I thought that I read a few years back that the so called free credit reports showed up as a hard check. That’s why it was such a big deal when the government set up annualcreditreport.com so that everyone could get a free credit report once a year without having it show up as a hard (or soft) check.

[noone]

Right, there are three basic types of credit checks.
Self checks – you are getting your own credit report
Soft checks – CC companies are deciding who to send junk mail to
Hard checks – you apply for a car loan

The first two do not affect your credit score, but the hard check can. I thought that I read a few years back that the so called free credit reports showed up as a hard check. That’s why it was such a big deal when the government set up annualcreditreport.com so that everyone could get a free credit report once a year without having it show up as a hard (or soft) check.

[noone]

Right, there are three basic types of credit checks.
Self checks – you are getting your own credit report
Soft checks – CC companies are deciding who to send junk mail to
Hard checks – you apply for a car loan

The first two do not affect your credit score, but the hard check can. I thought that I read a few years back that the so called free credit reports showed up as a hard check. That’s why it was such a big deal when the government set up annualcreditreport.com so that everyone could get a free credit report once a year without having it show up as a hard (or soft) check.

[SDEngineer]

It’s accidental when it does show up as a “hard” check – those are the only checks other creditors can see. I had my most recent apartment rental credit check show up as one, I disputed it, and it was erased that month.

Unfortunately, the bureaus rely entirely on the information given them by whoever is checking the credit, which means if the doofus entering your information enters the wrong value in a field, the bureau treats it as gospel until you dispute it. One reason why virtually everyone who doesn’t monitor their credit reports have multiple errors on their reports.

[SDEngineer]

It’s accidental when it does show up as a “hard” check – those are the only checks other creditors can see. I had my most recent apartment rental credit check show up as one, I disputed it, and it was erased that month.

Unfortunately, the bureaus rely entirely on the information given them by whoever is checking the credit, which means if the doofus entering your information enters the wrong value in a field, the bureau treats it as gospel until you dispute it. One reason why virtually everyone who doesn’t monitor their credit reports have multiple errors on their reports.

[SDEngineer]

It’s accidental when it does show up as a “hard” check – those are the only checks other creditors can see. I had my most recent apartment rental credit check show up as one, I disputed it, and it was erased that month.

Unfortunately, the bureaus rely entirely on the information given them by whoever is checking the credit, which means if the doofus entering your information enters the wrong value in a field, the bureau treats it as gospel until you dispute it. One reason why virtually everyone who doesn’t monitor their credit reports have multiple errors on their reports.

[SDEngineer]

It’s accidental when it does show up as a “hard” check – those are the only checks other creditors can see. I had my most recent apartment rental credit check show up as one, I disputed it, and it was erased that month.

Unfortunately, the bureaus rely entirely on the information given them by whoever is checking the credit, which means if the doofus entering your information enters the wrong value in a field, the bureau treats it as gospel until you dispute it. One reason why virtually everyone who doesn’t monitor their credit reports have multiple errors on their reports.

[Author]

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