Where to get a free credit report Louisiana

Options theme by Justin Tadlock Checking Your Credit Score Won’t Hurt Your Credit Score If you where to get a free credit report Louisiana 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 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 cat experiment, which is mostly just a thought/psychological thing and not something real, was where to get a free credit report Louisiana a way for Schrödinger to where to get a free credit report Louisiana explain what he meant when he supposed that the very act of looking at where to get a free credit report Louisiana the cat changed whether it was dead or alive, since it had equal probability of being either. on line credit report 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 (where to get a free credit report Louisiana make an inquiry) you would affect your credit score, right? Fortunately for us, there are two types of inquiries known as hard pulls (or inquiries) and soft pulls (or inquiries). Hard pulls are the ones that stay where to get a free credit report Louisiana on your credit history and is seen by anyone who looks at it, thus hard where to get a free credit report Louisiana pulls can have an adverse affect on your credit score. freecreditreport 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 a soft pull that is no one will ever see that you have done it so it wont hurt your score. As for hard pulls, which generally are done by companies reviewing your account (not all companies do a 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 where to get a free credit report Louisiana well known put people estimate around 5-10 points each). There are two more bits of credit score wisdom I can impart as a result of reading about it over where to get a free credit report Louisiana the last few years: So check your credit score if you want, it shouldnt where to get a free credit report Louisiana affect your score. free credit report identity theft

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.

One of the changes is that hard pulls are now weighed less and do not impact your credit score as much as it use to. You cant get your score for free unless you sign up for those free trials like those at FreeCreditReport.