how to obtain credit report without showing another inquiry, thereby negatively affecting my score?

Asked by Dh, Kenilworth, IL Sat Jul 28, 2012

Too many inquiries has been a problem.

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8
David Dorfman, Agent, Neptune, NJ
Sat Jul 28, 2012
annualcreditreport.com - it's the big 3 credit unions complying with fed/state law allowing you access to your credit files. - for free once per year.

Just avoid the pop ups to get your actual score - for a fee. This they do not provide unless you pay. But you do get your credit report. When you do review and dispute anything that looks questionable.

You have to do this 3 times . Takes a few minutes, but worth it. Each credit report may be a bit different.
2 votes
I've used this site and had a fantastic experience, this would also be my recommendation.
Flag Mon Jul 30, 2012
, ,
Sat Jul 28, 2012
Good morning Dh,

David is correct, you are entitled to one free credit report annually from each of the three credit bureaus. The purpose is to provide consumers the opportunity to correct errors in their credit reports.

Be careful of two things:
1. David provided the correct website: https://www.annualcreditreport.com Be careful not to be directed by search engines or your browser to imitation websites that will attempt to collect a fee from you.
2. As David correctly points out: avoid the credit scores once you are on the site. These scores are available for a fee and are NOT the same as FICO scores used by financial professionals. I have seen these scores vary by as much as 100 points.

If you are inquiring about your credit to determine if you are qualified for a mortgage, then I'd recommend contacting a Local Mortgage Banker to get prequalified. While there is an impact on your credit score from the Mortgage Banker's inquiry, according to MYFICO.com the effect is minimal (assuming you have decent credit history).

Trevor Curran
NMLS #40140
1 vote
Christopher…, Agent, Tarrytown, NY
Wed Oct 24, 2012
When it comes to buying real estate, the credit bureau's will be able to tell what you are doing and the credit pulls shouldn't affect you as much as you think. this is only in reference to banks checking your credit for pre approval or loan purposes. if you personally haven't pulled a report within the past year you can go to http://www.annualcreditreport.com or http://www.freecreditreport.com

Christopher Pagli
Licensed Associate Broker
Accredited Buyer Representative
William Raveis Legends Realty Group
914.406.9023
0 votes
Maria Cipoll…, Agent, Coral Springs, FL
Wed Oct 24, 2012
If the inquiries in your credit comes from stores or credit cards it will take a hit, but if you trying to see if any errors in your credit report and you are going into those websites that you can get your free report once a year, it should not reflect in your credit score.

Best of Luck,

Maria Cipollone

http://www.Flahomespecialist.com
0 votes
Andy Ogorzaly, Agent, Chicago, IL
Fri Sep 7, 2012
If you are getting the reports for housing, I believe it takes a smaller hit than if you are doing it for credit cards etc. This is because housing is a necessity.
0 votes
Bill J Delig…, Agent, Naperville, IL
Mon Jul 30, 2012
http://www.annualcreditreport.com is the govt approved site where you can obtain 1 report from each of the 3 credit bureaus once/yr. The report is free but you have to pay to obtain your scores.
0 votes
Matt Laricy, Agent, Chicago, IL
Sat Jul 28, 2012
I dont think its possible to get one without showing proof you got it. I would have your report pulled by a lender. All the online stuff typically is not right.
0 votes
Philip Sencer, Agent, Chicago, IL
Sat Jul 28, 2012
Not sure how you can do that although you are entitled to one free report each year which will not affect your score.
0 votes
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