Anytime as long as you have a relationship or some type of account with them, a bank will normally do what is call a soft pull which doesn't affect your score and will only do a hard pull if you initiate it by requesting to open another account with them, or asking for a credit line increase or a new line of credit.
If they don't pull a full report and only do a soft inquiry then it doesn't ever hurt. If you are however, applying for credit at the bank and they do a "hard inquiry" where they view your full report then it only takes one time. If you are going around in a short length of time and having banks pull your credit for the purpose of a home or car loan then usually the credit report agencies count this as one inquiry because it's quite reasonable to shop around.
Pull your credit report: www.annualcreditreport.com (free Equifax report)
Pull your credit report.
The nomenclature generally used in the credit report industry is usually "hard pull" and "soft pull". A hard pull of your credit history is done when a potential lender retrieves your credit file on your behalf for the purpose of deciding whether to extend credit to you or not. A soft pull is done when you want to pull your own report for review purposes only or when a lender checks your credit without your permission (perhaps to pre-qualify you for a credit card offer).
The credit report holder can check his or her report as often as they choose. When you check your credit report it is considered a "soft inquiry" and will not affect your status.
If they don't pull a full report and only do a soft inquiry then it doesn't ever hurt. If you are however, applying for credit at the bank and they do a "hard inquiry" where they view your full report then it only takes one time. If you are going around in a short length of time and having banks pull your credit for the purpose of a home or car loan then usually the credit report agencies count this as one inquiry because it's quite reasonable to shop around.
Pull your credit report: www.annualcreditreport.com (free Equifax report)
Pull your credit report.
No only he can pull his credit report but him or a creditor with a permissible purpose, if you do and use his info it is considered fraud.
The nomenclature generally used in the credit report industry is usually "hard pull" and "soft pull". A hard pull of your credit history is done when a potential lender retrieves your credit file on your behalf for the purpose of deciding whether to extend credit to you or not. A soft pull is done when you want to pull your own report for review purposes only or when a lender checks your credit without your permission (perhaps to pre-qualify you for a credit card offer).
Yes. Your SSN is used to pull your credit report. If the loan is granted, it is then used to track your relationship with the bank and report interest paid (if the interest is tax deductible).
The credit report holder can check his or her report as often as they choose. When you check your credit report it is considered a "soft inquiry" and will not affect your status.
you sould go to a local bank and ask for a credit report
Yes. If you are seeking a bank loan, the lender will want to see a business credit report in most situations.
Sure.
You can get your credit report from all three credit companies by going to your local bank and asking a mortgage consultant to run your credit report.
Unless you work for an attorney or someone who can legally pull other's reports, it is illegal and not easy to pull another persons credit report. You can't legally do so.