Anytime you request your credit report directly from the credit bureaus, the inquiry does not affect your score. The inquiry that resulted in the letter does have an effect, and that is it.

You can get a copy of all your credit reports plus score in the link below free for the first month

This is a legit site to get your free credit report every year or when ever was your last free online credit report .
You can request each time from each of the three biggest credit reporting agency. They all reporting a little different but mostly the same stuff so you can basically request 1 from those 3 company every 4 months to see how you doing if you feel like doing that.
Mostly they would try to sell you on the phone so I answer no each time but there was one time they offer the free trial of credit score and I actually want to see what it look like, then cancel as soon as I receive the score. Don’t fall into their trick . It’s not worth it to pay for your fico score when you can have it for free (supposely).

It will be a soft inquire. Also this is the correct information when obtaining your credit report. Some company’s will give you incorrect information to attempt to profit from your situation.

Credit reporting agencies

• TransUnion LLC
800-888-4213
P.O. Box 2000
Chester, PA 19022

• Equifax
800-685-1111
P.O. Box 740256
Atlanta, GA 30374

• Experian
888-397-3742
National Consumer Assistance Center
P.O. Box 2002
Allen, TX 75013

Let me know if you have any questions

Sounds familiar. Call them and ask for a supervisor otherwise you may end up talking with someone in India. Maybe a real live person can help you out. Some idiots put the info into a computer and the computer is only as smart as the idiot who programed it.
cp

I had a 50 pt difference between scores recently, so you need to check all three – at least your first time around. Once you see them all and if the scores and reports are similar, you can just check 1 at a time and spread them out over the year. Did you use annualcreditreport.com? that’s the free site sanctioned by the gov. Others are copycats and often times not free. You should buy your scores as well as you want to see how lenders see you. They talk to you in terms of scores [usually] first.

YES a big diffrence some collection agencies only report to one or two of them!
You have to look at all three at one time ….

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