text: I'm not an expert by any means, but I pull and review credit reports almost daily for Apartment Management.  It just shows how many times in the last 3 months you've pulled your credit, but through the company I pull the reports, it doesn't lower your score if you do a 3-in-1.  However, don't pull your credit more than once a year if you can help it, because it raises eyebrows when anyone else pulls your credit.  Hope this helps!