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You do a free credit check online as many times as you like (at a cost if done more than once monthly) and it will not affect your credit standing.
If you plan on applying for a loan, then you are saying that the lender can “check my credit” to see if you can be approved.
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A Credit Privacy Number (CPN) is a 9 digit number that is free and legal to get depending on how you use it.When you check your credit score for free with Credit Sesame it makes no impact on your credit score since it is a soft credit check, not a hard credit check.When doing a soft credit check you are only pulling your credit score to view how you are performing, not because you are applying for a loan or other type of credit that you are hoping to get approved for.Specifically, bad credit ranges from 300 to 629, fair credit ranges from 630 to 689, good credit ranges from 690 to 719, and finally, excellent credit which ranges from 720 and to 850.Other popular credit score range formulas exist, such as the Vantage Score, which is what Trans Union, our credit score provider uses. Checking your credit score with Credit Sesame is easy and can be done every month to see how your credit is performing.