Credit Report Request

Credit Report Request questions and answers

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Q: Does it affect your credit score if you request a credit report just for your information?
I have heard from some one that it affects on owns credit score if request credit report just for my information. and if affects really than what can be done to view owns credit report without affecting credit score

A: Not in the least, you can check your own credit report as often as you like. Although the free service (annualcreditreport.com) is good for only 1 time a year, if you want to pay the money, you can get your report whenever you want to directly from FICO. You can read more about this at the following FICO web site http://www.myfico.com/CreditEducation/ Hope this helps answer your question.

Q: If i request my credit report from the credit companies?
If i request my credit report from the credit companies will it lower my credit score?

A: No, this is what's called a soft pull and does not count against you.

Q: Why do employers request a credit report?
Recently, every job application I've filled out has required me okay a credit report. Why? Why do prospective employers--most of whom aren't retail and do not require me handling company money in anyway--need to know whether or not I've paid my credit card bills?

A: Your credit report shows a lot about who you are as an individual. It tells a lot about your character, and if you are a responsible person. Sometimes depending on the position that you are applying for a credit report is always required, especially if you are applying for an executive position with a salary over $75,000. As someone already stated the credit reports tells a lot of important identifying information, as well as whether or not you are stable. It shows whether you jump from job to job, and whether or not you are a gypsy, and it shows your good faith efforts of making timely payments. Your report can tell a prospective employer whether you have filed a bankruptcy, if you have a tax lien, or a judgement against you which does not speak highly of any individual. Most people frown on absconders of debt and they don't give it a second thought of turning you down for the postition because of it.

Q: Does a one-time free annual credit report request affect my credit score?


A: When you check your own credit, it is shown as a soft inquiry. It does not affect your score. A hard inquiry, on the other hand, will change your score.

Q: Can a company request your credit report without your authorization?
I had my credit report obtained a few times by some large companies like Capital one, and Washington Mutual, can they d this without my consent?

A: Are they hard inquiries or soft ones? (there is a big difference) Any company can pull soft inquiries on you unless you are opted out. (in fact the credit reporting agencies sells your information to those companies if you are not opted out) Companies can only pull hard inquiries on you if you are requesting credit from them, you already do business with them or they own or was assigned an debt/account of yours. Your request of credit, doing business with the company or a company purchases a debt/account of yours gives them permissible purpose to pull a hard inquiry. If it was a company that you had not requested credit from or you don't do business with them, etc, and it was a hard pull (not a soft, unless you are opted out) - then they do not have permissible purpose. And you should dispute it.

Q: Best website to request my Credit Report and Score.?
I would like to request a copy of my Report and Score from all three credit bureau without having to go to each one. I was looking into the creditreporting website but they seem to want close to $40 dollars. Do you think this is a reasonable price? Any suggestions on which website I should go to?

A: https://www.annualcreditreport.com/cra/index.jsp is the ONLY really free website from which to obtain your credit reports from all three credit reporting agencies. The central site allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. AnnualCreditReport.com is the official site to help consumers to obtain their free credit report. Free credit reports requested online are viewable immediately upon authentication of identity. Free credit reports requested by phone or mail will be processed within 15 days of receiving your request. All other so-called free credit report services will charge you or force you to subscribe to their credit report or credit protection or identity protection services. https://www.annualcreditreport.com/cra/index.jsp is the ONLY site that fulfills the U.S. Government's specifications for providing a free credit report from all three agencies once a year at absolutely no charge whatsoever and is the ONLY site approved by the U.S. Department of Consumer Affairs to provide this service in compliance with federal law. Freecreditreport.com is one of the largest offenders in advertising free credit reports...read the small print or you will find yourself paying through the nose! Please don't be duped into any other service other than www.annualcreditreport.com.

Q: How do I request my free credit report for GA?
My state allows one free credit report each year--how do i go about requesting this? thanks

A: Go to http://www.annualcreditreport.com

Q: Can I request a credit report from my bank?
I bank with Bank of America. I know for a fact that Security Service provides credit reports to their clients, so I was curious if my bank did. I guess not. Thanks guys.

A: Try this link https://www.annualcreditreport.com/cra/index.jsp

Q: Does "soft" request for credit report/score exist?
I planning to get mortgage preapproval (paper which states how large credit they allow me to borrow) from Chase. Their representative said what they gonna do some kind of "soft" request to credit bureau , so it does not hurt my credit score. Just want to check with you guys , is such thing ask "soft" request exist ?

A: Yes they can do that, its called a soft pull or account review. It shows only on credit reports issued to you, it doesn't show on credit reports to lenders and doesn't affect you credit score at all. If you don't have any account with CHASE they will need your authorization or a pre-approval application. Make sure you get in writing from them that they will do a soft pull. once you apply or give them permission to pull your credit they could do a hard pull just to get your score down and prevent you from getting a better offer from some other bank.

Q: Can I request my credit card company to report payment history to all 3 credit bureaus?
One of my credit cards only reports to TransUnion, and my student loan lender only reports to Equifax and Experian. Can I request each of them to report to all 3 bureaus or do they only follow their company's policy? Specifically, can I require them to do so?

A: if you are looking for the free credit score and report usa national site, check out this site http://free-credit-report-national.com/ Here you can check your 3-in-1 Report from all three credit reporting agencies and your credit score rating.

Q: what's a good website to request credit report?
Without having to sign up for their service that you'll have to cancel within a month to prevent charging. Preferably a site that provides all three credit reports

A: By law, you are entitled to one free credit report per year from each of the big three credit reporting agencies. The site is annualcreditreport.com. Your scores are not available and they are not free. The ones most used by creditors are at myfico.com.

Q: Can I request that postings on my credit report be removed if they were when I was a minor?
if my credit report shows I have dings from when i was a minor, can i request them to be removed?

A: Minors are not able to enter into a legal contract. As such, you can try and contact the credit bureaus. Send them proof (such as your birth certificate) and tell them that you want the dings removed since you were a minor at the time. However, you imply that you're an adult now (since you said "when I was"). If so, you may have backed the contract. When you turn 18, you can either dispute the contract, or you can leave it alone. If you leave it alone, you are basically saying that you acknowledge the contract, and thus it as been affirmed with you as an adult. It wouldn't hurt to try, though. Go ahead and dispute them.

Q: What is the MOST PRIVATE/SECURE way to request a CREDIT REPORT?
https://www.annualcreditreport.com/ Three options are provided: 1)online 2)phone 3)snail mail If you're concerned about privacy/security, what's the best method? They all seem fraught with flaws.

A: I have used both the on-line method and automated phone service to to request a mailed copy. Both worked well. If you use mail, you're at the mercy of the incompetent U.S. Postal Service.

Q: Why would my utility company request my credit report?!?
I just checked my credit report online, and I see that Con Edison (my electric company) checked my credit report last year. Why would they do that? I did file for bankruptcy two years ago (for credit cards), but I've been paying consistently to Con Edison for 8 years. Why would they request my credit report?!

A: Around here utility companies generally check credit before they give you an account then based on it decide how much of a deposit they want from you.

Q: Does it look bad when I request my own credit report?
A woman reviewing my credit at a credit union today said that it generally looks bad if my report has been accessed 6 times in one year by credit card companies or lenders. When I access it myself...is that a strike against me too?

A: no. you should check it ..