# Credit Repair 101

**URL:** <https://forums.speedlife.net/t/credit-repair-101/26976>\
**Category:** NYSpeed Off Topic\
**Created:** [April 2, 2007, 8:00pm UTC](https://forums.speedlife.net/t/credit-repair-101/26976 "2007-04-02T20:00:25Z")\
**Posts on this page:** 1\
**Showing post:** 9

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**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\
**Post date:** [April 3, 2007, 11:28am UTC](https://forums.speedlife.net/t/credit-repair-101/26976/9 "2007-04-03T11:28:20Z")

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

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

[/quote]

😛 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?

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