How can I pull my credit report for free without hurting my credit?
Mimi asked:
I want to apply for a mortgage… but I am not sure how my credit looks about a year ago my score was a 640 and I have fallen 30 days behind on my credit card 3 times in the last 12 months. How has this effected my score? How can I figure out if a mortgage is out of the question?
Wanda
I want to apply for a mortgage… but I am not sure how my credit looks about a year ago my score was a 640 and I have fallen 30 days behind on my credit card 3 times in the last 12 months. How has this effected my score? How can I figure out if a mortgage is out of the question?
Wanda
July 13th, 2010 at 4:52 pm
Denise
You can get your three credit reports for free at
You cannot get your score for free – there is a small charge for that.
July 15th, 2010 at 12:24 pm
Esther
Sorry, but If your credit score is not at least 620, then you will not be able to get financed for a mortgage.
July 16th, 2010 at 11:43 pm
Tina
You can follow Steves advice on how to get your credit report for free and it will not hurt your score. A person can check their credit reports all they want and it has no affect on your report. IT does NOT count as a hard hit or soft hit.
As to what your score might be if you would like to get a rough idea, here is a web site that will calculate your score based on the information you plug in, there is no fee for this and it is provided by MSN Money.
It will not calculate an exact number but the range you would fall in.
Remember that a credit report is a “snapshot” of your history at the time the report was requested, not what it was in the past, so it changes depending upon your current history.
As to getting a mortgage, there are programs available and you would need to go through HUD to find a mortgage with your score, but it is not completely impossible.
Hope this helps answer your question
July 18th, 2010 at 9:14 am
Eddie
To answer your question you can get all three of your credit reports and scores from annualcreditreport.com without hurting your score.
The problem is the report you will get and the report that the mortgage lenders will get is not the same.
Mortgage lenders pull what’s called a factual report and these are not available to the general public and your scores will not be the same.
So the only way to know for sure is to apply and see.
Good luck.
July 21st, 2010 at 1:12 am
Ann
the only time your credit will be hurt is when someone else pulls your credit such as a bank but if you pull it yourself it does not go to under free credit report section here you will be able to get one for free and it will not hurt your credit
July 23rd, 2010 at 7:03 pm
Maria
freecreditreport.sinfree.net – try this site. I use it to monitor my credit and also cleaned off some bad items from my credit report. You can apply for free initial plan and get your scores and reports for free.
July 27th, 2010 at 3:36 am
Joe
Use
July 30th, 2010 at 12:00 pm
Alexander
When you ask a possible creditor to inquire about your credit, it may affect your credit. This is because it implies that you’re possibly opening a new line of credit. But you have the right to look at your credit report without affecting your credit. When you request your credit report it’s called a “consumer pull” and has no affect on your credit.
The three credit bureaus run where you can get your free credit reports. Credit scores are available as an add-on feature of the report for a fee.