US residents: does a consumer report affect a person’s credit score?

Posted on October 30, 2009 by admin

does requesting an investigative or consumer report from a credit bureau/agency affect a person’s credit score? and if so, will this request for such report be recorded on one’s credit report?

(Not a US resident so I’m not really sure how all of this works. Trying to understand a few things here and there! All help is mostly appreciated!)

I believe this will not affect a person’s credit score. I am not sure if you qualify for this but US law requires the three agencies to give you a free copy of your credit report each year. http://www.ehow.com/how_2204949_free-credit-report.html

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2 Responses to US residents: does a consumer report affect a person’s credit score?

  1. gottaknow08 says:
    October 30, 2009 at 11:35 am

    I believe this will not affect a person’s credit score. I am not sure if you qualify for this but US law requires the three agencies to give you a free copy of your credit report each year. http://www.ehow.com/how_2204949_free-credit-report.html
    References :

  2. Zachary L says:
    October 30, 2009 at 12:06 pm

    No looking at you own credit score does not effect you credit score
    References :