Does Checking Credit Score Lower It: Debunking the Myth


Few statistics in the realm of personal finance have the same weight as your credit score. It affects your capacity to get loans, get good interest rates, and even your housing and employment possibilities. Given the significance of this three-digit figure, it is understandable that many individuals worry about whether looking at their credit score may reduce it. We will explore the subject in great detail in this all-inclusive book, dispelling common misunderstandings, including professional opinions, and giving useful tips.

Does Checking Credit Score Lower It?

Let's straightforwardly confront the elephant in the room. Checking your credit score does not reduce it. Many people have needless worry stemming from this frequent mistake. Maintaining good financial health depends critically on looking at your credit score.

Understanding the Mechanics

You have to grasp how credit inquiries operate if you want to know why looking at your credit score won't damage it. Hard searches and soft searches are the two forms of credit inquiries.

  • Hard Inquiries: These arise, say for a mortgage or credit card, when a lender reviews your credit record throughout their loan decision-making process. Hard queries might momentarily affect your credit score somewhat.
  • Soft Inquiries: For non-lending uses like background checks or pre-approved offers, you or businesses ask questions. Examining your credit score fits in here. Your credit score is not changed by soft queries.

The Importance of Monitoring

Not only is checking your credit score a good financial habit, but it's also benign. Frequent credit score monitoring helps you to:

  • spot mistakes. Errors on your credit record can happen. Reviewing your score can help you to quickly see and challenge mistakes.
  • Monitoring lets you identify illegal or fraudulent activity, therefore stopping identity theft from causing havoc on your financial life.
  • Track Development: Monitoring your credit score will enable you to gauge your development in trying to raise it.

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


To sum up, the idea that looking at your credit score can reduce it is very untrue. Keeping your financial condition depends much on keeping an eye on your credit score; it is not only safe but also highly advised. Recall that in terms of your credit, information is power; hence, keep educated and take charge of your financial destiny.

About ready to improve your credit score? For tailored advice, contact our specialists now at (888) 804-0104!