Credit Repair 101

[quote=“sureshot!,post:8,topic:26976"”]

Easy grasshopper. There are a couple factors that make a difference

[/quote]

:stuck_out_tongue: Dammit. Thought I had that one nailed!

My question:

I was just looking to get a car insurance quote online, and they wanted to pull a credit report. No surprise, as credit score is used as evidence to how responsible you are and aids in determining your insurance risk. But is this a hard pull of your score that will adversely affect your score, or is is just looking at what’s on your report without pulling the actual FICO score?