Does Checking Your Own Credit Hurt Your Credit Score?

Checking your credit score has no impact on your credit score. In fact, it’s a good idea to keep track of your credit score, and learning how credit reporting works may help you make wiser financial choices.

Checking Your Score is Considered a Soft Inquiry

When you check your own credit score, you’re carrying out a “soft inquiry.” A soft inquiry simply results in a notation on your credit file that you requested the information. 1

Soft inquiries may also be carried out by your prospective employers or insurers, or by lenders to offer you pre-screened credit. Since soft inquiries don’t affect your credit score, you may check your own credit report as often as you like. 1

Hard inquiries, on the other hand, can impact your credit score. They’re carried out by lenders or others when you apply for credit and other services.

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Police Your Credit Report for Inaccuracies

Checking your own credit report lets you confirm that the information being reported to the agencies is accurate. This is important because lenders use your credit report and credit score to help make credit approval decisions, including the interest rates you’ll be charged. It may also affect your ability to get insurance, a job or even approval to rent a home. Regularly monitoring your own credit report may also help guard against damages to your credit caused by identity theft. 2

You can check your credit report at each of the three nationwide credit reporting agencies—Equifax, Transunion and Experian annually for free. 2

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

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