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Posted on 12 April 2017 | 2,018 views

Asking a Banker to Check Score can Hurt Your Credit Score

If you have friends who work at banks, especially if they are in lending, you might be tempted to ask them to check your credit score for free.

Rather than jumping through the hoops of Free Credit Score companies or paying for it yourself, it might seem harmless to ask a friend to look it up. Besides probably being misuse of company resources, this will hurt your credit score because that small favor will result in a hard inquiry on your report.

When you look up your own FICO Score, the credit bureaus treat it as a soft inquiry because you are asking about yourself.

When you ask your bank, all the bureau see is a bank requesting your score, as if you had applied for a loan and treat is as a hard inquiry.


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