K asked:


I’ve been wondering about this issue. I’ve never filed but wonders how it works as far as how many points it takes away from your credit report.
I’m not sure if this question can be answered but please go for it.
I’m not thinking about it. I was just wondering because I hear people doing it like its a great thing. Given the fact that it can cost someone a potential job, I hope I never have to do it. lol

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Lynn asked:


When I view my report, I find a list of creditors pulling my report for whatever reason. I don’t think its fair that people can pull your credit report anytime they feel like it. I’ve noticed that I also get a bunch of junk mail from some of these same people. What can I do to stop them from getting my information without my permission?

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