Why does a credit score...?

why does a credit score drop when you try to know how high or low it is? Is there a way to not let it drop when you check it?

Why does a credit score...?

There are 2 types of credit inquiries, Hard, such as when you apply for credit, and soft, when you are just accessing the credit information. To get your credit score, and avoid a hard inquiry, go to each of the 3 major credit bureaus websites (experian.com, equifax.com and transunion.com) and do a SINGLE bureau report with score. They run approx. $15.00 each

Why does a credit score...?

When you check your own FICO credit score it doesn%26#039;t lower your score. Only you see the inquiry, creditors do not.

The ONLY place to get your FICO credit scores for all 3 of your credit reports is at www.myfico.com/12. It will cost you $44.85 but will give you all 3 of your FICO scores (the one lenders use) plus the top 4 reasons your score isn%26#039;t higher which will give you a game plan. While you are there check out the Credit Education section. It will tell you exactly how credit scores are calculated. Equifax %26amp; TransUnion each sell a FICO credit score for $14.95 but that is only 2 of your 3 credit reports.

But before you spend any money go to www.annualcreditreport.com and get copies of your 3 credit files free.

Review your files for accuracy and dispute any items you believe to be incorrect. Each dispute will take approx. 30 days.

Good Luck