Online credit report check North Dakota

Options theme by Justin Tadlock Checking Your Credit Score Won’t Hurt Your Credit online credit report check North Dakota Score If you can remember back to high school physics, you might remember a concept online credit report check North Dakota known as Schrödingers cat. While a full explanation makes it sound extremely complicated (check Wikipedia if youre really interested), the basic idea is that a subatomic particle can exist in a combination of possible states and the act of looking at it, that is bouncing photons (light) on it, will actually change the state that it was prior to you seeing it. Anyway, the cat experiment, which is mostly just a thought/psychological thing and not something real, was a way for Schrödinger to explain what he meant when he supposed that the very act of looking at the cat changed whether it was dead or alive, since it had equal probability of being either. Now, how does this affect you and your credit score? Well, one would surmise that, since a credit score is affected by inquiries, if you were to request your credit score (make an inquiry) you would affect your credit score, right? free credit report by law

Fortunately for us, there are two types of inquiries known online credit report check North Dakota as hard pulls (or inquiries) online credit report check North Dakota and soft pulls (or inquiries). Hard pulls are the ones that stay on your credit history and is seen by anyone who looks at it, thus hard pulls can have an online credit report check North Dakota adverse affect on your credit score.

Soft pulls dont stay on your history as long and arent visible to everyone who looks at your credit history. Hard pulls can hurt your score, soft pulls will not. For the purposes of my friends question, which was the impetus for this article, checking your own credit score is a soft pull that is no online credit report check North Dakota one will ever see that you have done it so it wont hurt your score. free credit report site

As for hard pulls, which generally are done by companies reviewing online credit report check North Dakota your account (not all companies do a hard pull, some will give you credit based only on a soft pull), those are the ones that can hurt your score (the exact amount it hurts isnt well known put people estimate around online credit report check North Dakota 5-10 points each). There are two more bits of credit score wisdom I can impart as a result of reading about online credit report check North Dakota it over the last few years: So check your credit online credit report check North Dakota score if you want, it shouldnt affect your score. You might like to know that WaMu tells you what your score is all the time. FICO 08 has changed some things about how your credit score is calculated.

One of the changes is that hard pulls are now weighed less and do not impact your credit score as much as it use to. You cant get your score for free unless you online credit report check North Dakota sign up for those free online credit report check North Dakota trials like those at FreeCreditReport. free credit check report You can get a free credit report (history, no score) once from each credit bureau every 12 months (from AnnualCreditReport.com). You CAN get your credit score for free per the U.S. You can see it via http://www.annualcreditreport.com.