Will my credit score be damaged by card issuers getting my name from a credit reporting agency and sending me an offer?

Answer:

No. Your credit score is not affected by card issuers obtaining your name in this way. 

If you apply for a credit card, the card issuer will generally obtain your credit report or your credit score and the credit reporting agency file will then reflect that you applied for a credit card. Your credit score can be affected by the number of cards or other loans for which you apply.

Was this page helpful to you?

Note: Do not include sensitive information like your name, contact information, account number, or social security number in this field.

The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.

Read full answer Hide full answer