free credit report request letter
free credit report request letter
Will my credit be dinged by requesting a credit report?
Recently, a utilities fee waiver was decline because of my credit. I recieved a letter saying that I was entitled to a free credit report because of this “adverse action”, but won’t requesting that report have adverse effects on my credit??
Requesting a credit report will NOT affect your credit. You have the right to look at your credit report without it affecting your credit or score. When you request your credit report it’s called a “consumer pull” and has no affect on your credit. The only time when requesting a credit report can affect your credit is when you ask a possible creditor to inquire about your credit. This is because it implies that you’re possibly opening a new line of credit.
