A stupid question on credit report pull?
Aug 27, 2012 | 5:56 am
#1
Original Poster
Join Date: Apr 2011
Posts: 267
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.
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.
Aug 27, 2012 | 6:15 am
#2
Join Date: Mar 2010
Location: mountains of western NC
Programs: Life, Love and Laughter
Posts: 9,838
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.
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.
These requests generate what is known as a soft pull. Only hard pulls affect your credit score.