Get free credit report Lake Charles

Options theme by Justin Tadlock Checking Your Credit Score Won’t get free credit report Lake Charles Hurt Your Credit Score If you can remember back to high school physics, you might remember a concept known as Schrödingers cat. While a full explanation makes it sound extremely complicated (check Wikipedia if youre get free credit report Lake Charles 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 get free credit report Lake Charles 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. free credit report instantly 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 get free credit report Lake Charles affect your credit score, right? Fortunately for us, there are two types of get free credit report Lake Charles inquiries known as hard pulls (or inquiries) 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 adverse affect on your credit score. check my credit rating 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 get free credit report Lake Charles a soft pull that is no one will ever see that you have get free credit report Lake Charles done it so it wont hurt your score.

As for hard pulls, which get free credit report Lake Charles generally are done by companies reviewing your account (not all companies do a get free credit report Lake Charles 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 5-10 points each). all 3 free credit reports There are two more bits of credit score wisdom I get free credit report Lake Charles can impart as a result of reading about it over the last few years: So check your credit 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.