Common Credit Score Myths Myth #4 It will ding my credit score if I pull my credit report. This is wrong, but tricky. If you come in and apply for a loan, we will pull your credit report and it will ding your score a few points. But if you just want to check your report out to make sure there are no mistakes (see myth # 3), you can pull your own credit report yourself from annualcreditreport for free without lowering your credit score. Now this report won’t show you your score, unless you want to pay a fee to the credit bureau. However, it will show you what your creditors are reporting about your payment history. It also provides a very easy way to file disputes if you find some errors on your report. You can pull one a year for free from each of the three bureaus (Transunion, Equifax and Experian). It’s also a good way to check up and make sure you haven’t been the victim of identity theft. Come in and see any member of our lending staff for help with pulling your free credit report, and we’ll be glad to go over it with you and help you understand what it all means!
Posted on: Tue, 16 Sep 2014 19:28:54 +0000
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