Joined: Mon 09-06-2004 7:51PM Posts: 1916 Location: The B Barn
Source: Off Campus
It has been the same one everytime that ad comes around.
I also hope it is randomly generated, but with the targetted marketing facebook has been trying to get deeper and deeper into, I wouldn't be surprised.
Its not, they would need your social security number to get access to your credit report. Plus everytime your credit is checked, there is a little ding to your score (so if its checked too often the score lowers). It's a dumb ad.
Its not, they would need your social security number to get access to your credit report. Plus everytime your credit is checked unless you check it yourself through a credit monitoring site, there is a little ding to your score (so if its checked too often the score lowers). It's a dumb ad.
Joined: Sun 08-15-2004 9:36PM Posts: 4957 Location: ~~~~\o/~~~~~
Source: Off Campus
those sites are soft pulls of your credit, they are different than getting your credit checked for a car/house loan. They do not affect your credit either way. Though usually they will try to scam you of $30+/mo
Joined: Fri 09-05-2003 10:24AM Posts: 3589 Location: Oklahoma! Where the wind comes sweeping down the p l a i n s !
Source: Fidelity
Patrick wrote:
dar9q7 wrote:
Its not, they would need your social security number to get access to your credit report. Plus everytime your credit is checked unless you check it yourself through a credit monitoring site, there is a little ding to your score (so if its checked too often the score lowers). It's a dumb ad.
Fixed!
Every time a hard credit check is performed, your score lowers by one point. Every time a soft credit check is performed, it does not affect your score (pre-approval ads)
I am not sure what the difference is in the information soft checks have over hard checks, but I know that a majority of your history is not revealed, and hard checks MUST have your approval before they can be done. So be careful how many credit cards you apply for, even if you don't want them or intend to cancel it right away.
I am not positive, but I don't believe that there is an exception for when you check your credit yourself. I could be wrong, because it has been about 3 years since I worked at a bank, but I think it still counts against you.
_________________ Ever get that feeling of deja vu?
Its not, they would need your social security number to get access to your credit report. Plus everytime your credit is checked unless you check it yourself through a credit monitoring site, there is a little ding to your score (so if its checked too often the score lowers). It's a dumb ad.
Fixed!
Every time a hard credit check is performed, your score lowers by one point. Every time a soft credit check is performed, it does not affect your score (pre-approval ads)
I am not sure what the difference is in the information soft checks have over hard checks, but I know that a majority of your history is not revealed, and hard checks MUST have your approval before they can be done. So be careful how many credit cards you apply for, even if you don't want them or intend to cancel it right away.
I am not positive, but I don't believe that there is an exception for when you check your credit yourself. I could be wrong, because it has been about 3 years since I worked at a bank, but I think it still counts against you.
I'm almost positive you can check your own credit score all you want and it won't ding it. I know I've looked at my report on several occasions and have never seen past checks done by me on there.
Your credit report includes more than your record of paying bills. One section of the report lists inquiries. These are records showing who has accessed your credit report. There are various purposes allowed for companies to look at your credit report.
Your credit card company may monitor your report to review your account with them. This type of inquiry appears on your credit report, but does not affect your credit score. Creditors and insurers review your report to see if you qualify for an offer. These "preapproved" or "prescreened" offer reviews do not affect your credit score. (For information on how to stop preapproved reviews, see http://www.privacyrights.org/fs/fs1a-basics.htm.) You apply for a job and the employer orders your report. This inquiry does not affect your credit score. You check your own credit report. This will not lower your credit score. The only credit report inquires that can lower your credit score are applications for new credit.
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