Would it affect someone’s credit if they personally pulled their credit report monthly?

Answer 1

Favourite answer

No.  Your credit is affected only when someone else pulls it.  It is not affected when you pull it personally.

Answer 2

I see my credit report - monthly, on line and it does not affect anything.

Answer 3

No it would not.

Answer 4

Yes. You are allowed one free report a year from each of the major 3 credit companies. 

Answer 5

You can use credit karma and it doesn't affect your credit

Answer 6

You can pull it daily with no affect.  Its called a "soft pull" and they do not show up on or or hurt your credit.

Answer 7

No.  A personal pull has no effect on your credit score. 

Some people pay for a credit monitoring subscription that allows them to check their credit report as often as they like.  For people who suspect identity theft, or are preparing for a major purchase such as a home mortgage, it could be useful.  Prices for such subscriptions vary, but figure about $30 a month.