Credit Repair Attorney

If you have done any amount of research into how to repair your credit score, you have probably run across several things that aren’t true about the credit repair process. Believing these false claims can send you on a wild goose chase “correcting” things that don’t need to be corrected, or otherwise hindering your credit repair process.

One of the most common beliefs about credit repair that is totally incorrect is that checking your own credit report will lower your credit score. However, your credit score may be (very slightly) lowered for a short period of time after a company has checked your credit score. If you check your score yourself, it’s called a “soft inquiry,” and does not hurt your credit score. If another company checks your credit report, it can slightly lower your score and the inquiry is referred to as a “hard inquiry.”

Anyone who believes that checking their own credit report will hurt their credit score may go very long periods of time without checking it for fear of damaging it. To keep problems like this from hindering your credit repair process, checkout US credit repair attorney, Smith & Garg’s complete article on credit score myths.