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I have always wanted to buy my credit report from equifax, but a friend of mine told me that even purchasing credit report drops down your credit score. Why?

That is very unfair because it has nothing to do with paying any debt — you’re just trying to check score for your own knowledge.

Then why some people say score will go down even if you buy your report from equifax?

5 Thoughts on Is it true that if you see your credit report, your credit score goes down?
  1. Reply
    Randy W
    September 2, 2011 at 4:46 am

    That’s incorrect. When you look at your own score, it’s a “soft” inquiry, and has no effect on your credit score. When a potential creditor looks at your credit report, that’s a “hard” inquiry, and it does affect your score. To learn the real scoop, check out the Fair Isaac web site. (the FI in FICO score)

  2. Reply
    September 2, 2011 at 5:00 am

    Not only is the answer from the guy above me correct but you don’t have to pay for the report either.

  3. Reply
    pamela L
    September 2, 2011 at 5:14 am

    I agree with the first poster. When you inquire about your credit it’s called a “soft brush”. It will not affect your credit score.

  4. Reply
    September 2, 2011 at 5:38 am

    I think your question is if you see your credit *report* – will your score go down.

    The answer to that is ‘no’. Looking at your credit report doesn’t have anything to do with your credit score. You should check your report at minimum once a year to be sure there are no errors.

    You don’t have to buy it. You can get it for free at You can get a free one once a year from each credit reporting agency – Equifax, Experian and TransUnion. They will try to upsell you on other products through the process. Just ignore that and continue through – you’ll get your report for free.

    Getting your own credit *score* is considered a soft inquiry and won’t make your score drop. A score isn’t free – you have to buy it. It’s not necessary to get one constantly.

  5. Reply
    September 2, 2011 at 5:46 am


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