Will viewing my credit report affect my credit score?
No. If you request or purchase a copy of your credit report for your personal use, your credit score should not be affected.
There are two methods of pulling a credit report:
- Soft Pull - This occurs when you request a copy of your credit report or when a business requests a copy of your credit report or credit score for informational purposes, such as credit monitoring or checking your credit as part of an employment screening process. A soft pull will not affect your credit score.
- Hard Pull - This occurs when a business requests a copy of your credit report to determine creditworthiness and assess your eligibility for a new line of credit or account. A hard pull will affect your credit score.
Using LastPass credit monitoring alerts or LastPass Premium credit monitoring does not affect your credit score.