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Credit Inquires Hurt Your Credit Score?

By Expert Author: SusanMill

A credit inquiry is an item on your credit report that shows with permission a creditor requested your free credit score report.

Not all credit inquiries affect your credit score:

You may notice when you pull your credit report there are inquiries on there from a business you are not familiar with. The only inquiry that affects your credit score is the one where you are applying for credit. This is considered a hard pull on your report.
Ever heard the saying, too good to be true? You know all those too good to be true offers on the television an internet offering you something for free, with insane back end costs down the line? Like the offers for a free trial of a product with insane recurring billing? Or when someone offers a free gift to you if you sign up with enough sponsors? See? Nothing is really free.
It's important to act with caution when you are reviewing your financial status and standing. How everything looks on paper is what matters at the end of the day. Depending what your plans are, your situation can dictate whether or not you can go on that vacation you want, get approval for loans on a house or car you'd like to purchase, or even your ability to fulfill your enjoyment of life. If you can improve your score, the level of enjoyment you receive from life will most likely drastically increase.
They aren't trying to be deceptive, but simply offset the costs of the services they offer you at no cost, while paying for their expensive hosting and company expenses. A free credit report is actually free, but be sure if you think you may be charged, use a card that will definitely have room for awhile and that you can pay off immediately. That will prevent you from obtaining information about your credit score and making it worse at the same time by racking up more credit in the process.
Finding information about your credit or getting a free credit report can be a daunting task. Once you get it though, it will provide you incredible value and an opportunity to build a plan to improve your credit score. Getting my free credit report helped my financial situation greatly. I benefited from it and am now in a better place with the control in my life that I want. If you are on the fence, give it a try, you won't be disappointed. Check credit scores & reports today here: checkmycreditscores.info

Susan Mill

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