Anonymous asked in Business & FinanceCredit · 2 months ago

Would it affect someone’s credit if they personally pulled their credit report monthly?

7 Answers

  • 2 months ago
    Favourite answer

    No.  Your credit is affected only when someone else pulls it.  It is not affected when you pull it personally.

  • L
    Lv 5
    1 month ago

    I see my credit report - monthly, on line and it does not affect anything.

  • 1 month ago

    No it would not.

  • 1 month ago

    Yes. You are allowed one free report a year from each of the major 3 credit companies. 

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  • 2 months ago

    You can use credit karma and it doesn't affect your credit

  • Anonymous
    2 months ago

    You can pull it daily with no affect.  Its called a "soft pull" and they do not show up on or or hurt your credit.

  • DON W
    Lv 7
    2 months ago

    No.  A personal pull has no effect on your credit score. 

    Some people pay for a credit monitoring subscription that allows them to check their credit report as often as they like.  For people who suspect identity theft, or are preparing for a major purchase such as a home mortgage, it could be useful.  Prices for such subscriptions vary, but figure about $30 a month.  

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