Occur when you check your own report or for pre-approved offers; these do not affect your score.
Occur when you apply for credit and can slightly lower your score. credit*record
By law, you are entitled to a free copy of your credit report from each of the three bureaus. Occur when you check your own report or
Learn about your credit report and how to get a copy | USAGov primarily bankruptcies .
Information from court filings, primarily bankruptcies .