How often do you get a credit report??? * Important *

[GBRulz]

Maybe we are discussing credit pulls in a different manner. If a financial institution, credit card company, loan shark pulls a full credit report that shows your scores it will have an impact on your scores. I've seen it first hand and several credit reports say right on the report that the number of recent inquires have an adverse effect on your credit score.

Curious, do these places just do a credit review w/o pulling an entire report with scores ? Maybe they are doing a partial pull this is not being reported back to the bureau's ?

B after I read your post again, I think we are referring to different things. I think you are more so talking about applications where an institution has to check credit. If going through a loan process, getting a new CC, etc, yes those situations will all impact your credit score. Basically, anything that has to do with an individual being granted credit for something is when it hurts you. Inquiries that you do on your own, or maybe an employer does as part of the employment process (very common these days) will not impact you at all. Nor does it show up on your report as an inquiry, which I don't like it all. I think anyone that views my report I should have a right to know about and it should be listed.

I can certainly understand why people get confused, but I just hate for people to avoid keeping an eye on their credit report because they are afraid that by doing so, it will damage their score.

[packers11]

Thanks everyone for the advice... I am calling one of the credit companies now to put a 90 day lock on my credit as we speak... And will be checking up on my credit report every month for a couple of months...

Thanks again...