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I heard checking your credit score online can affect your score, depending on the site, is this true?
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It can count as an inquiry. You are entitled to one free report per year per bureau.
www.annualcreditreport.com
You can also use this site to challenge items in your report. The creditor has 30 days to respond.
In a nutshell, this is what credit repair companies will do for you and charge you $2500 or so. They will challenge anything bad on your report, though, in hopes that the company will fail to respond to the inquiry. These tactics are illegal and are being combated by many CC companies.
If consumers didn't have their heads up their asses, they would be trying to fight this practice, too, since all it does is make borrowing more expensive.