Josh: Can I pull my own credit and does that hurt my score?
Samira: Yes. You can pull your own credit as many times as you want. By law you’re entitled to one free credit report per year. You can do that by calling 1-877-322-8228. That’s the Under the Fact Act. If you Google the Fact Act you could also do it online. It’s much harder to do it online because of security reasons. Just calling that number you get a free credit report. It does not hurt your score, as long as you are the one. Now can you go to Credit Karma? Of course. You can go to any company you want and pull your own credit as many times as you want. It will never hurt your score.