Credit report companies Erie

Does it hurt my credit score when I pull my credit report? Do­es the subject of credit make your stomach turn? Many people live in fear of trying to tackle the problem of their credit. The rationale and factors that go into calculating a credit score seem like credit report companies Erie a mysterious enigma that isn't worth trying to understand. It's true that the particular formulas for calculating a credit score aren't public knowledge. Reporting agencies use their own variations on the scoring formula, and they're allowed to keep them under wraps as trade secrets. get a credit report Luckily, we don't need to know the exact formulas to understand in general what helps -- and more importantly -- what hurts your credit score. Because this three-digit number can determine whether you get a much-needed house or car, a good credit score can be vitally important. Let's look over the general factors that go into calculating credit report companies Erie your score: T­he fourth item credit report companies Erie on that list worries many people. get a free credit score report When they hear that inquiries hurt a credit score, they assume this credit report companies Erie includes their inquiries into their own report. This is a dangerous assumption because it leads people to believe that they should credit report companies Erie check their own reports sparingly. The truth is, to avoid identity theft and credit report companies Erie mistakes (which are surprisingly common), you should keep a close watch on your credit by checking your report annually -- if not more frequently. free credit report once a year Under the Fair and Accurate Credit Transactions (FACT) Act, you're entitled to a free look at your credit report once a year.