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Q: 1) Does getting a copy of my credit report deduct points from my credit? I was told once that it does, but I'm looking for more info. 2) Does simply applying for, and getting a credit card effect a persons credit?

A: -You getting a copy of your personal credit report has no effect. Someone else getting a copy of your credit report is considered to be an "inquiry", most of which do count against you. Especially after the 4th inquiry of the year. The credit a