I read a posting awhile ago that it wasn't a good idea to pull the 3-in-1 CRs. Does anyone actually know if credit is affected by pulling all three reports at once? Is the negative information from all three reports merged onto all of the reports?
PULLING YOUR OWN CREDIT REPORT CAN'T HURT!!! Pulling a 3-IN-1 is no different than pulling EQUIFAX-TRANS UNION-EXPERIAN separately!!! PULLING YOUR CREDIT REPORT ONLY HELPS... BUT try to do it for the lowest cost or FREE.
I did that a couple of times and it doesn't show as hard inquiry. The report show as Consumer Disclousure and it doesn't show on the creditor's credit report. Ron.
The inqs are only soft, the CRAs know that you're pulling your own file because of the inqs from privacyguard, consumerinfo, etc. But since they're consumer disclosures they don't count against you, and no potential creditor sees them.
