Three credit report Seattle

Options theme by Justin Tadlock Checking Your Credit Score Won’three credit report Seattle t Hurt Your Credit Score If you can remember back to high school physics, you might remember a concept known as Schrödingers cat.

While a full explanation makes it sound extremely complicated (check Wikipedia if youre really interested), the basic idea three credit report Seattle is that a subatomic particle can exist in a combination of possible states and the act of looking at it, that is bouncing photons (light) on it, will actually three credit report Seattle change the state that it was prior to you seeing it.

Anyway, three credit report Seattle the cat experiment, which is mostly just a thought/psychological thing and not something real, was a way for Schrödinger to explain what he meant when he supposed that the very act of looking at the cat changed whether it was dead or alive, since it had equal probability of being either. Now, how does this affect you and your credit score?

Well, one would surmise that, since a credit score is affected by inquiries, if you were to request your credit three credit report Seattle score (make an inquiry) you would affect your credit score, right? credit check monitoring Fortunately for us, there are two types of inquiries known as hard pulls (or inquiries) and soft pulls (or inquiries). Hard pulls are the ones that stay on your credit history and is seen by anyone three credit report Seattle who looks at it, thus three credit report Seattle hard pulls can have an adverse three credit report Seattle affect on your credit score. Soft pulls dont stay on your history as long and arent visible to three credit report Seattle everyone who looks at your credit three credit report Seattle history.

Hard pulls can hurt three credit report Seattle your score, soft pulls will not. For the purposes of my friends question, which was the impetus for this article, checking your own credit score is a soft pull that three credit report Seattle is no one will ever see that you have done it so it wont hurt your score. free credit report with no credit card As for hard pulls, which generally are done by companies reviewing your account (not all companies do a hard pull, some will give you credit based only on a soft pull), those are the ones that can hurt your score (the three credit report Seattle exact amount it hurts isnt well three credit report Seattle known put people estimate around three credit report Seattle 5-10 points each).

There are two more bits of credit score wisdom I can impart as a result of reading about it over the three credit report Seattle last few years: So check your credit score if you want, it shouldnt affect your score. You might like to know that WaMu three credit report Seattle tells you what your score is all the time. FICO 08 has changed some things about how your credit score is calculated. One of the changes is that hard pulls are now weighed less and do not impact your credit score as much as it use to. You cant get your score for free unless you sign up three credit report Seattle for those free trials like those three credit report Seattle at FreeCreditReport. You can get a free credit report (history, no score) once from each credit bureau every 12 months (from AnnualCreditReport.com). free credit reports You CAN get your credit score for free per the U.S. You can see it via http://www.annualcreditreport.com. Dont go three credit report Seattle to freecreditreport.com because its not free, you have to sign up for their program. Annualcreditreport.com only gives you the report, not your score. I forgot to link to three credit report Seattle it in my original comment though, thanks Alex. I always attributed this to Heisenberg and his Uncertainty Principle. I guess its the same, but its interesting how the concept is taught different in different places.