I have checked my report/score 3 times today, just to see if it was truly unlimited now. Every time they today I have checked it, it has gone down 1 point. This is BS...I'm calling to cancel the service today.
Checking your report does not affect the real score that a creditor gets. Never did, never will. If any score that a service provided implies your score is reduced by YOU checking your credit, they are a crap service. To repeat: You can never affect a real score by checking your credit. Your inquiries are not even looked at by real scoring models. There is no debate about this. Your service might be less than wonderful, but you are NOT hurting your score.
Inside Guy- I beg to differ! When I tried that new TU FICO thing, it showed up as inquiries viewed by others, NOT in the soft inquiry section where all the consumer inquiries go. It hurt my score 2 points.
