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-   -   A stupid question on credit report pull? (https://www.flyertalk.com/forum/credit-card-programs/1381392-stupid-question-credit-report-pull.html)

nature1370 Aug 27, 2012 5:56 am
A stupid question on credit report pull?
 
Hi all,

In July I applied for a Chase credit card and got denied at first. Then I called Chase reconsideration line and they approved my application. The week after, they also sent me a letter saying that I have a right to get a free copy of my credit report from Equifax within 60 days from the date on the letter. My stupid question is that:

Does it hurt my credit scores if I request for a free copy according to the information on this letter?

Thanks.

onthego15 Aug 27, 2012 6:15 am
Originally Posted by nature1370 (Post 19200824)
Hi all,

In July I applied for a Chase credit card and got denied at first. Then I called Chase reconsideration line and they approved my application. The week after, they also sent me a letter saying that I have a right to get a free copy of my credit report from Equifax within 60 days from the date on the letter. My stupid question is that:

Does it hurt my credit scores if I request for a free copy according to the information on this letter?

Thanks.
No.
These requests generate what is known as a soft pull. Only hard pulls affect your credit score.


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