Does Checking Credit Score Lower It: Debunking the Myth


In the world of personal finance, few numbers hold as much power as your credit score. It influences your ability to secure loans, obtain favorable interest rates, and even impact your housing and job prospects. With such importance placed on this three-digit number, it's no wonder that many people are concerned about whether checking their credit score can potentially lower it. In this comprehensive guide, we will delve deep into the topic, addressing common misconceptions, providing expert insights, and offering practical advice.

Does Checking Credit Score Lower It?

Let's address the elephant in the room right away: No, checking your credit score does not lower it. This is a common misconception that has caused unnecessary anxiety for many individuals. In fact, reviewing your credit score is an essential part of managing your financial health.

Understanding the Mechanics

To understand why checking your credit score doesn't harm it, you need to know how credit inquiries work. There are two types of credit inquiries: hard inquiries and soft inquiries.

  • Hard Inquiries: These occur when a lender checks your credit report as part of their decision-making process for lending you money, such as for a mortgage or credit card. Hard inquiries can have a small, temporary impact on your credit score.

  • Soft Inquiries: These inquiries are made by you or by companies for non-lending purposes, like background checks or pre-approved offers. Checking your own credit score falls under this category. Soft inquiries do not affect your credit score.

The Importance of Monitoring

Checking your credit score is not just harmless; it's a responsible financial habit. Regularly monitoring your credit score allows you to:

  • Detect Errors: Mistakes on your credit report can occur. By checking your score, you can catch and dispute errors promptly.

  • Prevent Identity Theft: Monitoring helps you spot unauthorized or fraudulent activities, preventing identity theft from wreaking havoc on your financial life.

  • Track Progress: If you're working to improve your credit score, keeping tabs on your score helps you measure your progress.

FAQs about Checking Credit Scores

Can checking my credit score too often hurt my credit?

No, checking your credit score frequently, even several times a month, will not harm your credit. Remember, these are considered soft inquiries and have no impact on your score.

Will applying for a new credit card lower my score?

Yes, applying for a new credit card may result in a temporary dip in your credit score due to the hard inquiry. However, this decrease is usually minor and temporary, especially if you have a strong credit history.

What's the ideal frequency for checking my credit score?

It's a good practice to check your credit score at least once a month. This regular check helps you stay informed and vigilant about your financial well-being.

How long do hard inquiries affect my credit score?

Hard inquiries typically remain on your credit report for about two years. However, their impact on your score diminishes over time, especially if you manage your credit responsibly.

Can I improve my credit score by not using credit at all?

No, avoiding credit altogether can hinder your ability to build a positive credit history. Responsible use of credit, such as making on-time payments and maintaining low credit card balances, is essential for improving your credit score.

Is there a way to check my credit score for free?

Yes, many reputable websites offer free credit score checks. You are entitled to one free credit report from each of the major credit bureaus annually, which you can access at


In conclusion, the myth that checking your credit score can lower it is entirely false. In fact, monitoring your credit score is not only safe but highly recommended for maintaining your financial health. Remember, knowledge is power when it comes to your credit, so stay informed and take control of your financial future.

Ready to enhance your credit score? Connect with our experts today at (888) 804-0104 for personalized guidance!