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Posted in Credit Report
When i request my own copy of my credit report, does it count as a hard inquiry?
I'm about to request one of my free annual credit reports, but I want to avoid any further hard inquiries... does it count as a hard inquiry if it's my own? or only if its lenders, businesses, companies etc...
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Question By
enzokiller

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All requests by yourself count as a soft inquiry and will never affect your score. You can update CK every day and it will not be affected.

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Response by
browno

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No, it doesn't. When you check your credit its known as a soft inquiry. Hard inquiries are from lenders, businesses, etc.

Response by
caramelsky

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checking via Credit Karma, which you can update daily if you wanted to, will never hurt your credit score either.

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Response by
iwantcookies

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