Community One Financial - NMLS# 56321

5.0 star review received on Experience.com for Bruce McLaughlin by Joshua M Y - Great communicatio.. and speedy response

New ★★★★★ 5 Star Experience.com Review by Joshua M Y Click to see all 163 reviews of Bruce McLaughlin, Branch Manager | RMLO | NMLS #70081

Does requesting my credit report hurt my credit score?

As part of our Credit & Financing Basics series we’ve been talking a lot about your credit report; however, you may wonder if checking your credit report hurts your credit score? We can settle that with one word. No. Requesting your credit report does not hurt your credit score. Checking your own credit report is not an inquiry about new credit, so it has no effect on your score. In fact, reviewing your credit report regularly can help you make sure the information the credit reporting companies share with lenders is accurate and up to date. You can review your credit report online for free once a week, from each of the three nationwide consumer reporting companies (Equifax, Experian, and TransUnion). You can also request a copy of your credit report by mail once every 12 months from each of the three companies.

Additional information can be found on the CFPB website: https://www.consumerfinance.gov/ask-cfpb/does-requesting-my-credit-report-hurt-my-credit-score-en-1229/

©2026 Community One Financial, a division of First Continental Mortgage, Ltd., headquartered at 6002 Rogerdale Road, Suite 500/565, Houston, TX 77072. NMLS # 56321. www.COFDisclaimers.com

Does requesting my credit report hurt my credit score? | Consumer Financial Protection Bureau Requesting your credit report does not hurt your credit score.

5.0 star review received on Experience.com for Bruce McLaughlin by Sandra Y N R - Great experience working with Bruce—professional, responsive, and very knowledgeable. He made the process smooth and stress-free, always keeping us informed and finding the best options for us.

New ★★★★★ 5 Star Experience.com Review by Sandra Y N Click to see all 161 reviews of Bruce McLaughlin, Branch Manager | RMLO | NMLS #70081

5.0 star review received on Experience.com for Bruce McLaughlin by Courtney C - My husband and I had a great experience working with Bruce! He was thorough and communacative throughout the whole process.

New ★★★★★ 5 Star Experience.com Review by Courtney C Click to see all 160 reviews of Bruce McLaughlin, Branch Manager | RMLO | NMLS #70081

Credit Report Errors to Look For

As part of our Credit & Financing Basics series, it’s important to know that credit reports can sometimes contain errors. Common issues may include incorrect personal information, accounts that don’t belong to you, duplicate accounts, or signs of identity theft. Reviewing your credit report regularly can help you catch mistakes early and protect your credit standing. Learn more from the Consumer Financial Protection Bureau. https://www.consumerfinance.gov/ask-cfpb/what-are-common-credit-report-errors-that-i-should-look-for-on-my-credit-report-en-313/

©2026 Community One Financial, a division of First Continental Mortgage, Ltd., headquartered at 6002 Rogerdale Road, Suite 500/565, Houston, TX 77072. NMLS # 56321. www.COFDisclaimers.com

What are common credit report errors that I should look for on my credit report? | Consumer Financial Protection Bureau When reviewing your credit report, check that it contains only items about you. Be sure to look for information that is inaccurate or incomplete.

5.0 star review received on Experience.com for Bruce McLaughlin by Harold A G M - It was a smoth process, information was clear the whole time, it was great to work with Bruce. thank you!

New ★★★★★ 5 Star Experience.com Review by Harold A G Click to see all 158 reviews of Bruce McLaughlin, Branch Manager | RMLO | NMLS #70081

4.66 star review received on Experience.com for Bruce McLaughlin by Leslie A L D - Good advice, patience

New ★★★★★ 4.66 Star Experience.com Review by Leslie A L D Click to see all 157 reviews of Bruce McLaughlin, Branch Manager | RMLO | NMLS #70081