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“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.

[SDEngineer]

Bear in mind that none of these are the “real” credit scores that the lender will actually see – even the ones from the credit reporting bureau (like if you purchased your score from Equifax) isn’t the one the lenders will see.

The score that a lender will see is from Fair-Isaac, who’s method of calculating their score is a trade secret, and unavailable to any other entity (including the credit bureaus). That score is only available through Myfico.com.

All the other scores that you can get are known collectively as “FAKO” scores, and while they might give you an indication of about where your credit is, they are frequently off by enough that your real scores place you in an entirely different category of borrowers (for instance, my Transunion FICO I bought from myfico.com was about 50 points lower than what the Transunion FAKO score was that I got a day earlier through them earlier this year, before I switched to monitoring my scores exclusively through myfico.com).

[SDEngineer]

Bear in mind that none of these are the “real” credit scores that the lender will actually see – even the ones from the credit reporting bureau (like if you purchased your score from Equifax) isn’t the one the lenders will see.

The score that a lender will see is from Fair-Isaac, who’s method of calculating their score is a trade secret, and unavailable to any other entity (including the credit bureaus). That score is only available through Myfico.com.

All the other scores that you can get are known collectively as “FAKO” scores, and while they might give you an indication of about where your credit is, they are frequently off by enough that your real scores place you in an entirely different category of borrowers (for instance, my Transunion FICO I bought from myfico.com was about 50 points lower than what the Transunion FAKO score was that I got a day earlier through them earlier this year, before I switched to monitoring my scores exclusively through myfico.com).

[SDEngineer]

Bear in mind that none of these are the “real” credit scores that the lender will actually see – even the ones from the credit reporting bureau (like if you purchased your score from Equifax) isn’t the one the lenders will see.

The score that a lender will see is from Fair-Isaac, who’s method of calculating their score is a trade secret, and unavailable to any other entity (including the credit bureaus). That score is only available through Myfico.com.

All the other scores that you can get are known collectively as “FAKO” scores, and while they might give you an indication of about where your credit is, they are frequently off by enough that your real scores place you in an entirely different category of borrowers (for instance, my Transunion FICO I bought from myfico.com was about 50 points lower than what the Transunion FAKO score was that I got a day earlier through them earlier this year, before I switched to monitoring my scores exclusively through myfico.com).

[SDEngineer]

Bear in mind that none of these are the “real” credit scores that the lender will actually see – even the ones from the credit reporting bureau (like if you purchased your score from Equifax) isn’t the one the lenders will see.

The score that a lender will see is from Fair-Isaac, who’s method of calculating their score is a trade secret, and unavailable to any other entity (including the credit bureaus). That score is only available through Myfico.com.

All the other scores that you can get are known collectively as “FAKO” scores, and while they might give you an indication of about where your credit is, they are frequently off by enough that your real scores place you in an entirely different category of borrowers (for instance, my Transunion FICO I bought from myfico.com was about 50 points lower than what the Transunion FAKO score was that I got a day earlier through them earlier this year, before I switched to monitoring my scores exclusively through myfico.com).

[SDEngineer]

Bear in mind that none of these are the “real” credit scores that the lender will actually see – even the ones from the credit reporting bureau (like if you purchased your score from Equifax) isn’t the one the lenders will see.

The score that a lender will see is from Fair-Isaac, who’s method of calculating their score is a trade secret, and unavailable to any other entity (including the credit bureaus). That score is only available through Myfico.com.

All the other scores that you can get are known collectively as “FAKO” scores, and while they might give you an indication of about where your credit is, they are frequently off by enough that your real scores place you in an entirely different category of borrowers (for instance, my Transunion FICO I bought from myfico.com was about 50 points lower than what the Transunion FAKO score was that I got a day earlier through them earlier this year, before I switched to monitoring my scores exclusively through myfico.com).

[SDEngineer]

They certainly are cold-weather dogs, but there are quite a few in need of rescue in So Cal (most of which will never get to see snow in any case), and because of their disposition, they do fine as a mostly indoor dog in an A/C’d house. I’ve known several Newfies in SD, and they didn’t seem to mind, they just avoided going out during the middle of the day (unless it was down to a dog beach for a swim), and got their walks done early in the morning or the evening. Certainly one nice benefit of a Newfie is that you can walk one of those just about anywhere at any time without much fear (who’s going to attempt to mug anyone who’s walking a dog that probably outweighs the mugger?)

I can certainly understand your friends wolf-hybrid (or any other highly active cold weather dog) having a serious issue with the SD climate, especially during the summer months – but those are dogs that really need to be outside a good portion of the time to fulfill their instictive drives. Newfies don’t really need that “outside” time, and while they’ll go for a walk readily (and should get one for daily excercise purposes in any case), the Newfies I’ve known have been just as likely to shoot you a “go out? why? I’m happy snoozing here on the couch” look as get up and mosey to the door if you show up with a leash (as opposed to a retrievers “leash? woohooo – time for a walk” *barrels towards the door* attitude).

[SDEngineer]

They certainly are cold-weather dogs, but there are quite a few in need of rescue in So Cal (most of which will never get to see snow in any case), and because of their disposition, they do fine as a mostly indoor dog in an A/C’d house. I’ve known several Newfies in SD, and they didn’t seem to mind, they just avoided going out during the middle of the day (unless it was down to a dog beach for a swim), and got their walks done early in the morning or the evening. Certainly one nice benefit of a Newfie is that you can walk one of those just about anywhere at any time without much fear (who’s going to attempt to mug anyone who’s walking a dog that probably outweighs the mugger?)

I can certainly understand your friends wolf-hybrid (or any other highly active cold weather dog) having a serious issue with the SD climate, especially during the summer months – but those are dogs that really need to be outside a good portion of the time to fulfill their instictive drives. Newfies don’t really need that “outside” time, and while they’ll go for a walk readily (and should get one for daily excercise purposes in any case), the Newfies I’ve known have been just as likely to shoot you a “go out? why? I’m happy snoozing here on the couch” look as get up and mosey to the door if you show up with a leash (as opposed to a retrievers “leash? woohooo – time for a walk” *barrels towards the door* attitude).

[SDEngineer]

They certainly are cold-weather dogs, but there are quite a few in need of rescue in So Cal (most of which will never get to see snow in any case), and because of their disposition, they do fine as a mostly indoor dog in an A/C’d house. I’ve known several Newfies in SD, and they didn’t seem to mind, they just avoided going out during the middle of the day (unless it was down to a dog beach for a swim), and got their walks done early in the morning or the evening. Certainly one nice benefit of a Newfie is that you can walk one of those just about anywhere at any time without much fear (who’s going to attempt to mug anyone who’s walking a dog that probably outweighs the mugger?)

I can certainly understand your friends wolf-hybrid (or any other highly active cold weather dog) having a serious issue with the SD climate, especially during the summer months – but those are dogs that really need to be outside a good portion of the time to fulfill their instictive drives. Newfies don’t really need that “outside” time, and while they’ll go for a walk readily (and should get one for daily excercise purposes in any case), the Newfies I’ve known have been just as likely to shoot you a “go out? why? I’m happy snoozing here on the couch” look as get up and mosey to the door if you show up with a leash (as opposed to a retrievers “leash? woohooo – time for a walk” *barrels towards the door* attitude).

[SDEngineer]

They certainly are cold-weather dogs, but there are quite a few in need of rescue in So Cal (most of which will never get to see snow in any case), and because of their disposition, they do fine as a mostly indoor dog in an A/C’d house. I’ve known several Newfies in SD, and they didn’t seem to mind, they just avoided going out during the middle of the day (unless it was down to a dog beach for a swim), and got their walks done early in the morning or the evening. Certainly one nice benefit of a Newfie is that you can walk one of those just about anywhere at any time without much fear (who’s going to attempt to mug anyone who’s walking a dog that probably outweighs the mugger?)

I can certainly understand your friends wolf-hybrid (or any other highly active cold weather dog) having a serious issue with the SD climate, especially during the summer months – but those are dogs that really need to be outside a good portion of the time to fulfill their instictive drives. Newfies don’t really need that “outside” time, and while they’ll go for a walk readily (and should get one for daily excercise purposes in any case), the Newfies I’ve known have been just as likely to shoot you a “go out? why? I’m happy snoozing here on the couch” look as get up and mosey to the door if you show up with a leash (as opposed to a retrievers “leash? woohooo – time for a walk” *barrels towards the door* attitude).

[SDEngineer]

They certainly are cold-weather dogs, but there are quite a few in need of rescue in So Cal (most of which will never get to see snow in any case), and because of their disposition, they do fine as a mostly indoor dog in an A/C’d house. I’ve known several Newfies in SD, and they didn’t seem to mind, they just avoided going out during the middle of the day (unless it was down to a dog beach for a swim), and got their walks done early in the morning or the evening. Certainly one nice benefit of a Newfie is that you can walk one of those just about anywhere at any time without much fear (who’s going to attempt to mug anyone who’s walking a dog that probably outweighs the mugger?)

I can certainly understand your friends wolf-hybrid (or any other highly active cold weather dog) having a serious issue with the SD climate, especially during the summer months – but those are dogs that really need to be outside a good portion of the time to fulfill their instictive drives. Newfies don’t really need that “outside” time, and while they’ll go for a walk readily (and should get one for daily excercise purposes in any case), the Newfies I’ve known have been just as likely to shoot you a “go out? why? I’m happy snoozing here on the couch” look as get up and mosey to the door if you show up with a leash (as opposed to a retrievers “leash? woohooo – time for a walk” *barrels towards the door* attitude).

[SDEngineer]

co-sign about the dog breed site. The one already posted in this thread is excellent, has great overviews of what a typical breeds personality is like.

One reason why me and my wife are considering buying soon even though we know we’re not at the bottom is that we want a dog – specifically a BIG dog (I grew up with larger breed dogs). We’ve settled tentatively on getting a Newfie once we’re moved because it suits our lifestyles and personalities. Newfies, for those not in the know, make great BIG dogs for those with small or no yards. They’re couch potatoes – give em a walk a day (which absolutely any dog breed needs) and they’ll happily spend the rest of the day shedding on the bed. Much less likely to be intentionally destructive than many other larger breeds when left alone without a yard to run around in. Great with other pets (both canine and non). Wonderful protector dogs as well, but without the hostility or aloofness towards strangers seen in a lot of other “guard” breeds. And they make a great pillow.

[SDEngineer]

co-sign about the dog breed site. The one already posted in this thread is excellent, has great overviews of what a typical breeds personality is like.

One reason why me and my wife are considering buying soon even though we know we’re not at the bottom is that we want a dog – specifically a BIG dog (I grew up with larger breed dogs). We’ve settled tentatively on getting a Newfie once we’re moved because it suits our lifestyles and personalities. Newfies, for those not in the know, make great BIG dogs for those with small or no yards. They’re couch potatoes – give em a walk a day (which absolutely any dog breed needs) and they’ll happily spend the rest of the day shedding on the bed. Much less likely to be intentionally destructive than many other larger breeds when left alone without a yard to run around in. Great with other pets (both canine and non). Wonderful protector dogs as well, but without the hostility or aloofness towards strangers seen in a lot of other “guard” breeds. And they make a great pillow.

[SDEngineer]

co-sign about the dog breed site. The one already posted in this thread is excellent, has great overviews of what a typical breeds personality is like.

One reason why me and my wife are considering buying soon even though we know we’re not at the bottom is that we want a dog – specifically a BIG dog (I grew up with larger breed dogs). We’ve settled tentatively on getting a Newfie once we’re moved because it suits our lifestyles and personalities. Newfies, for those not in the know, make great BIG dogs for those with small or no yards. They’re couch potatoes – give em a walk a day (which absolutely any dog breed needs) and they’ll happily spend the rest of the day shedding on the bed. Much less likely to be intentionally destructive than many other larger breeds when left alone without a yard to run around in. Great with other pets (both canine and non). Wonderful protector dogs as well, but without the hostility or aloofness towards strangers seen in a lot of other “guard” breeds. And they make a great pillow.

[SDEngineer]

co-sign about the dog breed site. The one already posted in this thread is excellent, has great overviews of what a typical breeds personality is like.

One reason why me and my wife are considering buying soon even though we know we’re not at the bottom is that we want a dog – specifically a BIG dog (I grew up with larger breed dogs). We’ve settled tentatively on getting a Newfie once we’re moved because it suits our lifestyles and personalities. Newfies, for those not in the know, make great BIG dogs for those with small or no yards. They’re couch potatoes – give em a walk a day (which absolutely any dog breed needs) and they’ll happily spend the rest of the day shedding on the bed. Much less likely to be intentionally destructive than many other larger breeds when left alone without a yard to run around in. Great with other pets (both canine and non). Wonderful protector dogs as well, but without the hostility or aloofness towards strangers seen in a lot of other “guard” breeds. And they make a great pillow.

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