Good afternoon kandyo1,
While you can access a free credit report once a year at annualcreditreport.com (the ONLY website you should use for consumer access to credit reports), a Mortgage Banker will still need to run her own credit report for prequalification purposes. So to specifically answer your question, pulling your credit report shouldn't hurt you, but it won't help, either, except for the point of reference that you can review your credit history on your own in case there are errors on your report(s).
PowerHouse Solutions, Inc.
185 Great Neck Rd, Suite 240
Great Neck NY 11021
Licensed Mortgage Banker â€“ NYS Dept. of Financial Services