I have another question? Other than going online to different websites... how can the general public obtain their own credit report? Also, are all personal creit inquiries soft pulls? Thanks so much!
As a broker, I know I can pull credit, but I'm wondering if there's any way the general public can pull their own credit other than going online. I ask because I'm holding a credit "seminar" and prior to coming, before meeting with me, people may want to see their reports.
Well, if they are turned down credit they can request one from the big 3. All personal inquiries are considered soft.
Each credit report agency will give you one free every year! Inquiries are funny you have to be careful they do affect your score
If you have a friend in the mortgage business they have an on-line service that runs credit all the time , you may have to pay a small fee for the inquiry but depending on the case seeing what lenders see may be worth a look. Steve
You can request, annually, a free copy of your credit report from each of the three reporting companies. https://www.annualcreditreport.com
Well done not many in the industry know the correct answer. I am not trying to premote anything but I did do a video on this and many in the industry have found it helpful you can view it at http://www.thecreditguy.tv/the-impact-of-an-inquiry-on-your-fico-score/
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