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Can you request your credit score after a company pulls your credit report?
Wiki User
∙ 16y ago
Absolutely. You can request your credit report anytime you want. If the company that pulled your credit report denied you the credit you sought, by law, you can get a copy of your credit report free if you request it within 30 days of the denial. You are also permitted to get all three of your credit reports once each year free of charge. If you have not requested your free credit reports in the last year, you may call 877-322-8228 and request them. They will arrive in 7 - 10 business days after your order. Understand that these are your credit reports only. They will not include your credit scores. They will only include the subscribers that report to the credit reporting agencies and what they reported about your financial behavior with them.
Wiki User
∙ 16y ago
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What does it mean when they say that your credit report is suppressed?
When you suppress your credit report, that means that anybody who pulls your credit report will get no information back. It will not even give the header that comes on the credit reports. So if you are looking to get some type of credit do not suppress your credit report.
Does it hurt your credit score when you have a credit report service that allows you to check your credit score as much as you want?
It only hurts your credit score when someone else pulls your credit report.
What does RPI-LD mean on a credit report?
What RPI-LD on a credit report means is that a hard pull was done. Hard pulls are usually done when doing credit checks from landlords and such.
Does applying for new credit cards hurt your score?
Every time you apply for credit and a creditor pulls a report it hurts your FICO score. The rule is to have no more then 6 inquiries on your credit report with in six months. They say a hard inquiry pulls your score down 3-5 points. There are 2 different inquiries hard and soft. A soft inquiry is when you pull your report or a creditor you already have pulls it to make sure you still have a good profile. The hard inquiries are the ones that hurt your score. It means that you are applying for credit.
Can a mortgage lender pull your credit twice when only one pull was authorized and requested?
Unless the authorization you signed specified only ONE pull of your credit report, then you have little recourse. It is typical for lenders of all types to perform multiple pulls of a consumers' credit report when trying to secure financing. For this reason, the scoring models count multiple pulls within a short period of time as only one pull.
How do you erase credit pulls?
If the credit pulls were not authorized, write a letter to each of the bureaus that are reporting the inquiries, and let them know that they were not authorized. Legally, they should remove this information from your credit report if it is inaccurately reporting. If you did authorize the credit pulls, then this information will likely stay on your credit report for 1-3 years.
What does it mean when they say that your credit report is suppressed?
When you suppress your credit report, that means that anybody who pulls your credit report will get no information back. It will not even give the header that comes on the credit reports. So if you are looking to get some type of credit do not suppress your credit report.
Does it hurt your credit score when you have a credit report service that allows you to check your credit score as much as you want?
It only hurts your credit score when someone else pulls your credit report.
What does RPI-LD mean on a credit report?
What RPI-LD on a credit report means is that a hard pull was done. Hard pulls are usually done when doing credit checks from landlords and such.
Does pulling credit report multiple times count against you?
There are two types of inquiries. Soft pulls and hard pulls. Soft pulls are when you look at your own credit. They don't get counted as far as your credit score. However hard pulls are when you apply for credit. This can effect your score 2 - 5 point for each inquiry.
Does applying for new credit cards hurt your score?
Every time you apply for credit and a creditor pulls a report it hurts your FICO score. The rule is to have no more then 6 inquiries on your credit report with in six months. They say a hard inquiry pulls your score down 3-5 points. There are 2 different inquiries hard and soft. A soft inquiry is when you pull your report or a creditor you already have pulls it to make sure you still have a good profile. The hard inquiries are the ones that hurt your score. It means that you are applying for credit.
How many times can your credit report be pulled in twelve months?
You can pull your own report as many times as you like, we called them soft pulls. However, if you have your report pull by companies--3-6 entries could make a big difference in your credit score.
If someone has your personal information and pulls your credit report as you is it a crime?
Yes, it is illegal for someone to pull your credit report without your authorization. Unauthorized access to someone's credit report is a violation of federal law under the Fair Credit Reporting Act (FCRA). You should report this incident to the credit bureaus and local authorities immediately.
If I want an online credit card, who can I see for credit score advice?
Yes the internet is one of the best ways to get everyday questions answered. When applying for a credit card your credit can suffer what is called "hard or soft pulls". This just means that when they are running your credit and trying to see if you qualify. Bigger credit cards often require the harder pulls. A website you might find helpful is creditcard.com. It has most credit cards on there to chose from. It will ask you a few questions before suggesting a card that might be best for you. This will limit the pulls shown on your credit report.
Since auto insurance companies check credit if you ask for quotes from 5 or 6 companies will your credit score be affected?
== == Most insurance companies do run a credit check, however, it is like a "soft hit" similar to what credit cards companies do when they send you a pre-approved letter in the mail. It has no effect on your credit score. Also companies don't actually look at your report, when they run a quote it pulls forward information from the report and allows the company to give you an "insurance score" based on driving record and the things found in the report, these vary by company. The insurance score then sets your base price and the premiums then go and down depending on what coverage you select.
Can a mortgage lender pull your credit twice when only one pull was authorized and requested?
Unless the authorization you signed specified only ONE pull of your credit report, then you have little recourse. It is typical for lenders of all types to perform multiple pulls of a consumers' credit report when trying to secure financing. For this reason, the scoring models count multiple pulls within a short period of time as only one pull.
How does pulling credit reports affect credit score?
If you are pulling it on yourself, it doesn't affect it in any way. If you apply for multiple loans and each lender pulls a credit report, it will have a negative effect on your score because it may look like you are desperate for credit.
