Will Checking My Credit Hurt My Scores?
Requesting a copy of your credit report or checking your credit score is known as a soft inquiry. A soft pull on your credit report will NOT affect your credit score.
Why Do I Need All 3 Credit Scores?
It’s important to check your credit scores based on your information from all three bureaus. One report may contain an error or a fraudulent account that the other two do not have. Lenders determine which credit report and credit score they want to access on you. They can pull from any or all three of the bureaus. So it’s smart to know your FICO Scores from all three bureaus.
A Good Credit Score Is?
Credit departments consider a good FICO rating to be anything over 700.
A Bad Credit Score Is?
A fair to poor FICO rating frequently characterized as a score of 650 and under on a 300-850 scale makes banks hesitant to extend credit since you’ve committed some significant credit errors previously.
