Can? Yes. Are? It would be quite exceptional.
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Nothing happens if you check your own credit rating.
It depends on how you check it. If you ask a friend at a bank or car dealership to pull your own credit reports, watch that score go down for no other reason than that you dared to check your own credit score.
That said, youâre correct⌠as long as you do it carefully theyâll call it âsoftâ (if they donât make an error, that is). And, nowadays, I do agree itâs easier to find free credit reports without it affecting your score and bank account as long as you avoid âimposterâ websites.
However, if itâs done while simply applying for credit, etc. theyâll hit your score. God forbid you perform thrifty apartment hunting over a reasonable period of time in an expensive housing market, etc. in order to find the best location, etc. â theyâll keep hitting your score if you donât do it in a short enough amount of time even if thatâs to your long-term detriment with higher rent, more gas via poor location, etc, etc⌠They assume that large numbers of inquiries means greater risk even if youâre just doing it to be choosey in finding a new apartment, etc.
Itâs also a great way to beat people while theyâre down. Someone young starting out with little or no credit gets turned down at various apartments⌠and every damn time they try to find a place live, they get a hit to their score if they donât do it quick enough. Thatâs bullshit.
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Creepy as fuck: ever since this thread, this ad has been following me around:
And it actually wasnât Experian, looking back I apparently got my report from them and TransUnion. Must have been the third, whatever that it.
Why is anybody shocked or scandalized? Iâve assumed for decades, probably since I read Neuromancer, or Sterlingâs âIslands in the Netâ which featured pirated offshore databases, that all personal data was for sale, if not by your contract partners, then by a 3rd party. Think about it, for every instance you hear about a massive data loss, there must be a hundred by more competent thieves that left no trace, since stolen data is still where you left it. Like on Wall Street, only the extremely sloppy get caught.
Not for me. I have 7 living relatives who share my name, and there were at least 2 others unrelated in the town where I grew up. When I was five, my mother brought me to a drug store to pick up antibiotics when I was sick, and they tried to give her medicine to help me stop smoking. Same problem.
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