Whenever an invitation for an unsolicited credit card arrives in the mail, there is always the possibility that the sender did make an inquiry into the consumer's credit status. Fortunately, when a credit report is requested by an outside interest without the consent of the consumer, the inquiry is not usually counted against the consumer's credit score. Inquiries are supposed to free credit report and score Houston remain on a consumer's credit report for up to two years, although many lenders are primarily interested in the number of inquiries made in the last six months. Applying for free credit report and score Houston too many credit cards or store accounts in a short period of time can make a consumer look desperate in the free credit report and score Houston eyes of lenders, especially if many of those requests have been turned down. check credit score for free
In short, when a credit report is requested by the consumer himself or in response to an existing situation with a creditor, there should be little to no effect on credit scores. If there are too many inquiries in a short amount of time, the credit bureau may see that as a negative and lower the consumer's credit score several points. This adjustment may have little effect on a consumer's free credit report and score Houston ability to secure a loan or open a new account, but free credit report and score Houston if the adjusted score falls below 600, the result could be higher interest rates or a lower line of credit. best site for free credit report
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