4 Thoughts on Does it cost points or effect your credit score when you only check your credit score and nothing else?
  1. Reply
    Anjell
    June 23, 2011 at 8:50 am

    No you can check your credit score/report as much as you wish, it does not alter or impact your score since you are just reviewing your own profile.

    Only when your credit has an enquiry from a perspective lender does this slightly alter your score.

  2. Reply
    Steve
    June 23, 2011 at 9:48 am

    No. This is called a soft hit, much like if your insurance company checked your credit or if an employer checked it. You’re not applying for credit, so your score is not affected.

  3. Reply
    Mandie
    June 23, 2011 at 10:42 am

    You can check your credit score or full report daily if you wish and there will be no impact on your score. It’s only when a potential lender checks it is when it will be affected.

  4. Reply
    Mia Jacob
    June 23, 2011 at 11:11 am

    Requesting a credit report will NOT affect your credit. You have the right to look at your credit report without it affecting your credit or score. When you request your credit report it’s called a “consumer pull” and has no affect on your credit. The only time when requesting a credit report can affect your credit is when you ask a possible creditor to inquire about your credit. This is because it implies that you’re possibly opening a new line of credit.

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