When you pull your own credit report it does not show up as a hard inquiry like it does when a creditor pulls your credit. hard inquiries can be damaging to your credit score. That is why we have you pull it with companies like annualcreditreport.com, creditchecktotal.com, privacyguard.com, myfico.com. There are others as well.
Why do I have to pull my own credit report?
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