Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
Reenadeng4eva

0 Contributions
0 People Helped
is it best to check my credit score first, or have the lender do it?
And does it affect my score in anyway?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
1884 Contributions
3672 People Helped

Always know your score before

Talking to a lender. 

When you check your score it does not have any effect, When a lender does it, It's called a Hard Inquiry and it stays on your credit reprot for 2 years and  can drop your score by 15 points or more.

You want to know your score so there are no surprises when you walk into the lenders office.  If your scores are over 700 then you should be able to qualify for most loans or credit cards.  Higher scoes mean better interest rates, so you always want to have the highest score possible when ever you apply for credit.

Not knowing your score is like going on a blind date.  It could turn out okay,  or it could turn out to be a stalker that follows you for years, You never know for sure.  Why take the chance?

Good luck

.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.