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    #1

    Pulling credit

    I have the ability to pull a credit bureau on myself at work. If I do this it will put an inquiry on the report from my place of work, but I'd like to see what it looks like now.

    Can I? Should I?

    This is purely curiosity driven.
    Tags: None
    #2
    Originally posted by Confused33 View Post
    I have the ability to pull a credit bureau on myself at work. If I do this it will put an inquiry on the report from my place of work, but I'd like to see what it looks like now.

    Can I? Should I?

    This is purely curiosity driven.
    If you don't mind dragging your score down. make sure it's soft hit.
    Chapter 7 07/30/2008
    341 09/17/2008
    Discharge 11/21/2008

    Comment

      #3
      To elaborate on TEW's post - if you pull from your work, then it will register as a hard inquiry.

      Only consumer pulls or Account Reviews are soft hits. To do the consumer pull, you need to either do the annualcreditreport.com or belong to a service (like True Credit) where you can pull your credit all the time.
      Filed CH 7 9/30/2008
      Discharged Jan 5, 2009! Closed Jan 18, 2009
      I am not an attorney. None of my advice is legal advice in any way..

      Comment

        #4
        Originally posted by Confused33 View Post
        I have the ability to pull a credit bureau on myself at work. If I do this it will put an inquiry on the report from my place of work, but I'd like to see what it looks like now.

        Can I? Should I?

        This is purely curiosity driven.
        Be careful. This is against the law and the agreement between the CB's and your company and could cause you to be fired. Don't do it. It's not worth saving the $15.00.
        "Don't let your wants overload your a**"
        (author unknown)

        Comment

          #5
          Ok but if I go through creditkarma.com, or annualcreditreport.com or one of the other approved credit bureau sites, it doesnt list as an inquiry and/or affect my credit?
          Retained bk7 laywer 8-12-08, Filed 12-22, 341 Meeting Scheduled 1-29-09
                     Discharged 4-17-09!!!
          Reason for filing: Medical, NOT irresponsibility with credit.
          "Sometimes you have to fall before you fly"

          Comment

            #6
            Originally posted by Intoodeep80 View Post
            Ok but if I go through creditkarma.com, or annualcreditreport.com or one of the other approved credit bureau sites, it doesnt list as an inquiry and/or affect my credit?
            That's correct. It's considered a soft pull and only you will be able to see that you even pulled it.
            "Don't let your wants overload your a**"
            (author unknown)

            Comment

              #7
              Just used creditkarma.com and that was useless. Says my score is a 672. I HIGHLY doubt that considering I filed on 12/29 and my beacon was 608. I'd imagine it wouldn't even have had an effect at this point.

              I also thought I'd be able to see my report, its just a score.

              Comment

                #8
                I wouldn't do it if it's against the rules at work. If it's not, make sure you ask a supervisor or the like. My 2 cents.

                Comment

                  #9
                  Originally posted by deadbroke99 View Post
                  Be careful. This is against the law and the agreement between the CB's and your company and could cause you to be fired. Don't do it. It's not worth saving the $15.00.
                  Cut and paste from the top of this thread:

                  Get your FICO score
                  (20% off promo code: FICO2009,
                  use by January 31st)

                  Comment

                    #10
                    I am the supervisor...LOL

                    Its not really a matter of whether or not I CAN at work, its a matter of whether or not I CAN during ch 7. Didn't know if they'd see it at the 341.

                    Comment

                      #11
                      Originally posted by Confused33 View Post
                      I have the ability to pull a credit bureau on myself at work. If I do this it will put an inquiry on the report from my place of work, but I'd like to see what it looks like now.

                      Can I? Should I?

                      This is purely curiosity driven.
                      You are playing with your job, will probably get caught as all that is probably monitored and it could get you fired. Why take the risk.
                      _________________________________________
                      Filed 5 Year Chapter 13: April 2002
                      Early Buy-Out: April 2006
                      Discharge: August 2006
                      "A credit card is a snake in your pocket"

                      Comment

                        #12
                        Originally posted by Confused33 View Post
                        Just used creditkarma.com and that was useless. Says my score is a 672. I HIGHLY doubt that considering I filed on 12/29 and my beacon was 608. I'd imagine it wouldn't even have had an effect at this point.

                        I also thought I'd be able to see my report, its just a score.
                        Creditkarma only gives your Transunion score, but your score may be higher than you think. I filed on 12/24 and since things have been reporting IIB, my scores have gone from low 500's to around 570! I'm assuming because they are no longer showing as late with high balances...paid with 0 balances (and a note that it is IIB) is all I see!
                        Filed 12/24/08...a Merry Christmas indeed!
                        341 Meeting 01/23/09 Declared No Asset
                        Last day for objections 03/24/09
                        Discharged and closed 03/26/09

                        Comment

                          #13
                          Originally posted by deadbroke99 View Post
                          Be careful. This is against the law and the agreement between the CB's and your company and could cause you to be fired. Don't do it. It's not worth saving the $15.00.
                          And why is it against the law? I pull my credit from work whenever I want. I'll go tell the boss right now and see if I get fired.

                          Logan

                          Comment

                            #14
                            Nope....I didn't get fired....

                            Comment

                              #15
                              Yeah, we pull credit all day long for people. I don't get in trouble.

                              My question still has not been answered. Is it ok to run a person's credit BEFORE the 341 if there is no intention in making a purchase?

                              Comment

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