Question about finding out your credit score UPDATED

**Darlene** · 11-15-2007, 08:05 AM

Thanks! Our truck (93) died, it was up for inspection & needed 4 new tires & then the brake line broke & that sealed the deal of "it's time to go". We're going to go smaller & get something that will get us more mpg.
Going to give the truck away to one of those places that comes & gets it & gives proceeds from doing whatever to it to a charity we choose. Sure am going to miss that truck, it's helped us move our kids to & from dorms, apts, move us & haul all kinds of gravel etc. but with gas prices we just can't see getting another truck. Buh bye rusty red truck

I've never had a new car, I'm excited!

**mikandmari** · 11-15-2007, 09:41 AM

Originally Posted by starsapphire

I have never heard of that before. Now, if you're talking about credit REPORTS, no, pulling your own credit report will not hurt your report as it is a 'soft hit' not a 'hard hit'. Lenders can only see hards, not softs. Too many hards will make your score go down temporarily.

Darlene, glad I could help. Good luck!!

Tammy, this is correct. Checking your own credit report has NO effect on the score. Everyone is entitled to 1 free report each year from EACH of the 3 credit reporting bureaus: Equifax, Trans Union, and Experian. The official site is the one offered by a few posters, annualcreditreport.com. I keep a log of when I check ours (and which bureau I checked), so I get a free report every 4 months. I can't resist checking the scores, but I do this just once a year because at $7.95 each, thats almost $16.00 for me & my husband.

Since I've joined this forum and started decreasing my debt, my score has increased!