5 Thoughts on Can checking your credit score actually hurt your score?
  1. Reply
    bud68
    September 2, 2011 at 8:38 am

    Not really, unless you get obsessed with it. No reason to check it more than once a year.

  2. Reply
    website promotion expert
    September 2, 2011 at 9:00 am

    If you are checking it a few times a year you should be okay.

  3. Reply
    CrackBerry Addict
    September 2, 2011 at 9:31 am

    Checking your own credit reports and score is known as a soft inquiry, and doesn’t affect your FICO score at all. You can check it every day of the year and not cause any harm to your score.

    When lenders check your credit reports this is know as a hard inquiry, and too many of these will affect your score.

  4. Reply
    sunshine
    September 2, 2011 at 10:14 am

    No it doesn’t affect your score at all. It only affects your score when you apply for credit, employment or loans..

  5. Reply
    latebreakfast
    September 2, 2011 at 10:34 am

    No, it will not. You can check your credit reports monthly if you like, and it will not count at all.
    Neither will using a credit monitoring service, or an employer who checks your report.

    Basically, it only counts when you are applying for credit.
    http://www.myfico.com/CreditEducation/CreditInquiries.aspx

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