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

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.

,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.

This article by the CFPB was distributed by the Personal Finance Syndication Network.

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