Will requesting a free credit report have a negative effect on my credit?

Curt F asked:


Hi, I used annualcreditreport.com to get a free credit report about a month ago. My credit cards have been paid off since then and i’m really curious about how much my score has changed. My question is will my credit score take a hit if I request another report after just doing so a month ago?
Thanks in advance.

Dawn

Tags: Credit Score, Free Credit Report, Thanks In Advance

This entry was posted on Monday, May 25th, 2009 at 6:14 am and is filed under Credit Reports. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.

3 Responses to “Will requesting a free credit report have a negative effect on my credit?”

1. honeyswife Says:
   May 26th, 2009 at 10:59 pm

   Walter

   No requesting a credit report does not affect your credit ratings….you could request it every week if you wanted, it does not show up to creditors looking up your files either only you can see how many times you requested.

2. northville Says:
   May 27th, 2009 at 9:17 pm

   Cheryl

   yes- but only a few points.
   Do you want to purchase a home? It would be worth it at that point. Keep paying off your cards to increase your score. You want to shoot for 680 and above for lower interest rates and lower insurance payments. You can also call your car insurance company. They give lower rates for better scores. They would know.

3. B.B Says:
   May 27th, 2009 at 9:45 pm

   Melvin

   no, cause u are looking at your own report..