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Inquirey question

Discussion in 'Credit Talk' started by ctyler4, Feb 25, 2003.

  1. Feb 25, 2003 #1
    ctyler4

    ctyler4 Member

    When I pull my own credit does it take away points?? My husband swears it does and was told by either Equifax or Experian that if you pull it, it will reflect on your FICO....I just disputed some items with EQ and want to see if they have affected my score at all but don't want to risk losing any points!! (I've already pulled 2 X)
     
  3. Feb 25, 2003 #2
    IrishEyes

    IrishEyes Well-Known Member

    pulling your own report in no way affects your score- it is a soft inquiry (any soft inquiry does not affect your score)
     
  4. Feb 25, 2003 #3
    GEORGE

    GEORGE Well-Known Member

    IT CAN ONLY HELP...
     
  5. Feb 25, 2003 #4
    BAlZebub

    BAlZebub Well-Known Member

    How can it help?
     
  6. Feb 25, 2003 #5
    GEORGE

    GEORGE Well-Known Member

    The space available for inquires is LIMITED...if you do a bunch of inquires..."SOFT" it will eventually BUMP OFF "HARDS"...known as "BUMPAGE"
     
  7. Feb 25, 2003 #6
    dntopiwala

    dntopiwala Active Member

    ..............
     
  8. Feb 25, 2003 #7
    DISPUTER

    DISPUTER Well-Known Member

    I have been using Privacy Guard for bumpage and it works great.
     
  9. Feb 25, 2003 #8
    GEORGE

    GEORGE Well-Known Member

    USUALLY 3 "SOFTS" are generated per dispute...so do ONE AT A TIME (on-line...if possible).
     
  10. Feb 26, 2003 #9
    ctyler4

    ctyler4 Member

    Re: Inquiry question

    Does anyone know how many EX holds before the bumping starts?? I had a landlord pull credit 5 times in one week and lost a ton of points from her doing that! Trying to gain some of those back now
     

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