Has anyone ever used the sofware "Personal Credit Report Investigator"?

I just want to know if it is accurate and if there are any downsides to using it (like will it lower my score)?

Answers:
Sounds like a waste of money. Just go apply for a car loan and they will give you a credit report for free.
Apply for a car loan to see your credit report will hurt your credit score, regardless of whether you take the loan or not, because it will count as a "hard pull" or "hard inquiry."

Instead, just go to https://www.annualcreditreport.com/... and get one for free. Actually you can get one free copy from each bureau per calendar.

Regarding the software, I never heard of it so can't comment on the quality. But I think you can do much better than a software by checking your credit report carefully. Does it act as a third party to monitor your credit records automatically or it just check your report for errors? Either way as long as YOU make the inquiry, it doesn't impact your credit score.
Dont do it i would only trust getting stuff like that through the three reporting agencies if you to ask about it and ar unsure dont do it trust your insitnct that is your credit line and score and info you are putting out there

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