Does Checking Your Credit Score Lower It?


Lenders evaluate your creditability using the three-digit figure that is your credit score. Your credit report information—including your payment history, credit use, length of credit history, kinds of credit accounts, and recent credit inquiries—generated it. Given its significance, one would naturally question if just looking at your credit score can negatively affect it.

This post will explore this shared issue and bust the stereotypes around it. We'll also discuss how you might check your credit score without suffering any negative consequences and offer professional advice on keeping a good credit profile.

Does Checking Your Credit Score Lower It?

Many others feel that their credit score suffers every time they check it. This is a typical mistake that could lead to unwarranted worry. Looking at your credit score does not affect it whatsoever.

Understanding Soft and Hard Inquiries

To be clear, soft and hard inquiries are two forms of credit searches. Soft inquiries happen when you check your credit or when a creditor looks over it in line with a promotional offer. Your credit score is unaffected by these searches. On the other side, hard inquiries—usually associated with credit application—may somewhat lower your score.

The Importance of Monitoring

Consistent credit score monitoring is a wise financial habit. It lets you keep current on your financial situation and find any credit report fraud or mistakes. Early identification and resolution of problems help you to avoid possible credit score loss.

FAQs about Checking Your Credit Score

Can checking my credit score too often be detrimental?

Checking your credit score too frequently is not harmful. As mentioned earlier, when you check your credit, it's considered a soft inquiry and has no impact on your score. Monitoring your score regularly is a good habit.

Will a credit score check by a lender lower my score?

A credit check by a lender, known as a hard inquiry, may cause a slight dip in your credit score. However, the impact is usually minimal, and your score can recover within a few months, especially if you manage your credit responsibly.

How can I check my credit score without affecting it?

You can check your credit score through various reputable sources, such as credit bureaus and credit monitoring services. These inquiries are typically soft inquiries and won't harm your credit score.

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

Checking your credit score once a month or even quarterly is a reasonable frequency. It allows you to stay informed without excessive inquiries.

Can others see when I check my credit score?

No, when you check your credit score, it's a private matter. Others, such as lenders or potential creditors, can't see these inquiries.

What steps should I take if I notice errors on my credit report?

If you identify errors on your credit report, you should promptly dispute them with the credit bureau reporting the inaccuracies. Correcting errors can help improve your credit score.


To sum up, reviewing your credit score does not by itself reduce it. This is a widespread fallacy that should not discourage you from routinely checking your financial situation. Knowing the differences between soft and hard inquiries helps you to understand how credit checks could influence your score.

Access improved financial possibilities! Dial (888) 804-0104 to begin your road toward a better credit score.