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Will receiving my credit report through you appear as an inquiry on my credit report? Anytime your credit report is pulled - including when you order a copy of your credit report directly from the credit bureau - an inquiry is added to your report. Inquiries added when you request a copy of your credit report or when an employer checks your credit report do not appear to creditors and do not affect the calculation or your credit score. Inquiries initiated by the consumer, such as mortgage, auto loan and credit card applications, however, do affect your score because studies have shown that too many are a red flag for credit risk.
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