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URL:  https://boards.fool.com/my-fico-score-is-currently-723-but-i-have-not-34310815.aspx

Subject:  Re: APR Reduction Date:  10/5/2019  10:28 AM
Author:  vkg Number:  312684 of 312824

My FICO score is currently 723 but I have not gotten my credit scores from the big 3 in quite awhile.

If this is the FICO where the highest is 850, it is a good score. You don't need to order any additional scores.

Where do I order those 3 reports together and does that generate a hard pull on my credit? And, is there a way to get them for free?
Thanks in advance!!


Information on how to obtain your free annual credit reports:
https://www.ftc.gov/faq/consumer-protection/get-my-free-cred...

Rather than order all of them at one time, spacing them 4 months apart allows reviewing a credit report 3 times a year. They don't generate a hard inquiry.

When you said you had problems, I expected far worse for a credit score.

A hard inquiry does have a small impact (estimates are in the 5-10 point range) but that decreases within a few months. The inquiry stays on your credit report for 2 years.

Personal loans at my credit union start at just under 10%. Lending Tree claims to offer multiple quotes within 24 hours. I haven't dealt with them.
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