Preferred Method for Credit Reports

Home Forums General Discussion Preferred Method for Credit Reports

Viewing 4 posts - 1 through 4 (of 4 total)
  • Author
    Posts
  • #11904
    Anonymous
    Inactive

    Hello – I am interested in hearing your opinions on the best method or service to check client credit reports. Also, would you debunk or confirm the myth that checking credit reports too often lowers a credit score?

    Thanks in advance for your help!

    Barb

    #12435
    Lynne Edwards
    Spectator

    Barb, I don’t know if this is the ‘final authority’ on whether credit checks affect scores, but it’s very recent and conforms with my experience: https://www.creditkarma.com/advice/i/hard-credit-inquiries-and-soft-credit-inquiries/.

    I’ll be curious to read what our colleagues have to say about preferred methods of services to check reports. One tool I’m using routinely is the free service offered by many credit card companies (as discussed here: https://www.doughroller.net/credit-cards/credit-cards-that-offer-credit-scores/).

    Thanks for posting!

    #12438
    Anonymous
    Inactive

    I use annualcreditreport.com once a year to check credit reports for free. Also many credit card companies now offer free credit scores when you have a card.

    #12441
    Anonymous
    Inactive

    Banks and credit card companies may offer for free through client accounts.
    You can use annualcreditreport.com (find on FTC website) up to 3 times/year. Once for each credit bureau. Just be careful not to click on links to get credit monitoring etc. unless that is your intention. It can be hard to avoid if you’re not careful. It’s what they sell.

Viewing 4 posts - 1 through 4 (of 4 total)
  • You must be logged in to reply to this topic.