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How can I get my credit scores?...

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If you request them, no...it doesn't effect your score. If someone else pulls, then yes.

For your 'real' scores go to www.myfico.com. Bureaus each do their own scoring and will have different scores than fico (some higher, some lower...they're all different). But your best bet is to head to myfico and pay for them if you're wanting to know score for applying for credit, etc.

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