History credit report Watertown

Options theme by Justin Tadlock Checking Your Credit Score Won’t Hurt Your Credit Score If you can remember back to high school physics, you might remember a concept known as Schrödingers cat.

While a full explanation makes it sound extremely complicated (check Wikipedia if youre really interested), the basic idea is that a subatomic particle can exist in a combination of possible states and the act of looking at it, that is bouncing photons (light) on it, will actually change the state that it was prior to you seeing it. Anyway, the cat experiment, which is mostly just a thought/psychological thing and not something real, was a way for Schrödinger to explain what he meant when he supposed that the very act of looking at the cat changed whether it was dead or alive, since it had equal probability of being either. Now, how history credit report Watertown does this affect you and your credit history credit report Watertown score? Well, one would surmise that, since a credit score is affected by inquiries, if you were to request history credit report Watertown your credit score (make an inquiry) you would affect your credit score, right? Fortunately for us, there are two types of inquiries known as hard pulls (or inquiries) and soft pulls (or inquiries). free annual credit report federal government Hard pulls are the ones that stay on your credit history and is seen by anyone who looks at it, thus hard pulls can have an adverse affect on your credit score.

Soft pulls dont stay on your history as long and arent visible to everyone who looks at your credit history. Hard pulls can hurt history credit report Watertown your score, soft pulls will not. For the purposes of my friends question, which was the impetus for this article, checking your own credit score is a soft pull that is no one will ever see that you have done it so it wont hurt your score. As for hard pulls, history credit report Watertown which generally are done by companies reviewing your account (not all companies do a hard pull, some will give you credit based only on a soft pull), those are the ones that can hurt your score (the exact amount it hurts isnt well known put people estimate around 5-10 points each). credit report check free There are two more bits of credit score wisdom I can impart as a result of reading about it over the last few years: So check your credit score if you want, it shouldnt affect your score.

You might like to know that WaMu tells you what your score is all the time. FICO 08 has changed some history credit report Watertown things about how your credit score is calculated. One of the changes is that hard pulls are now weighed less and do not impact your credit score as much as it use to. You cant get your score for free unless you sign up for those free trials like those at FreeCreditReport. You can get a free credit report (history, no score) once history credit report Watertown from each credit bureau every 12 months (history credit report Watertown from AnnualCreditReport.com). You CAN get history credit report Watertown your credit score for free per the U.S.

You can see it via http://www.annualcreditreport.com. Dont go to freecreditreport.com because its not free, you have to sign up for their program. Annualcreditreport.com only gives you the report, not your score.

I forgot to link to it in my original comment though, thanks Alex. I always attributed this to Heisenberg and his Uncertainty Principle. free-annual-credit-report.com

I guess its the same, but its interesting how the concept is taught different in different places. Does checking your credit score (not report) affect your credit score? If someone else checks your score, yes it can affect your score. Current history credit report Watertown weather conditions for Silver City and Grant County. The Fiesta organizers promise family fun and games, live music, great food, and plenty of vendors in history credit report Watertown celebration and support of our community spirit.