Why Does Checking Your Credit Score Lower It


When it comes to personal finance, few things are as important as your credit score. It can influence your ability to get a loan, secure a credit card, or even rent an apartment. However, you may have heard a curious rumor - that checking your credit score can lower it. Is this true, or is it just a financial myth? In this article, we'll delve deep into the world of credit scores, exploring why checking it can sometimes have a negative impact.

The Basics of Credit Scores

To comprehend why checking your credit score might lower it, it's essential to grasp the basics. Your credit score is a numerical representation of your creditworthiness. It typically ranges from 300 to 850, with higher scores indicating a better credit profile. Lenders use this score to assess the risk of lending to you.

Why Does Checking Your Credit Score Lower It?

The paradoxical notion that merely checking your credit score can harm it stems from the distinction between "soft" and "hard" inquiries. When you request a copy of your credit report or score, it's considered a soft inquiry. These inquiries don't impact your credit score. However, when a lender or creditor checks your credit as part of a loan application or credit card approval process, it's a hard inquiry, and this can potentially lower your score.

The Impact of Hard Inquiries

Hard inquiries can lower your credit score because they indicate that you're actively seeking new credit. This could be because you're planning to take on new debt, which might increase your risk as a borrower. However, it's crucial to note that the impact of a single hard inquiry is typically minimal, causing only a temporary dip in your score.

Managing Your Credit Score

Now that we've addressed why checking your credit score can lower it, let's discuss some strategies for managing your credit wisely:

Regular Monitoring

Despite the potential for minor score fluctuations, regularly monitoring your credit is essential. It helps you spot errors, detect fraudulent activity, and stay informed about your financial standing.

Limiting Hard Inquiries

To minimize the impact of hard inquiries, be strategic about applying for new credit. Avoid opening multiple accounts within a short timeframe, as this can signal financial stress to potential lenders.

Paying Bills on Time

One of the most significant factors affecting your credit score is your payment history. Consistently paying bills on time will have a positive impact and help maintain a healthy credit score.

Reducing Credit Card Balances

High credit card balances relative to your credit limit can negatively affect your score. Aim to keep your credit utilization ratio below 30% to maintain a good credit standing.


Q: Does checking my credit score frequently harm it?

A: No, checking your credit score is considered a soft inquiry and doesn't affect your credit negatively.

Q: How often should I check my credit score?

A: It's a good practice to check your credit score at least once a year, or more frequently if you're actively managing your finances or planning a major financial move.

Q: Can I dispute errors on my credit report?

A: Yes, you can dispute inaccuracies on your credit report. It's essential to do so promptly to ensure your credit information remains accurate.

Q: Will closing a credit card account improve my credit score?

A: Closing a credit card account can impact your credit score, especially if it's one of your oldest accounts. It may be better to keep the account open but unused.

Q: How long do hard inquiries affect my credit score?

A: Hard inquiries typically remain on your credit report for two years, but their impact on your score diminishes over time.

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

A: Yes, you're entitled to a free credit report from each of the three major credit bureaus (Equifax, Experian, and TransUnion) once a year. Many online services also offer free credit score monitoring.


In conclusion, while it's true that checking your credit score can have a temporary impact, it's a necessary step in managing your financial health. Understanding the difference between soft and hard inquiries and practicing good credit habits will help you maintain a favorable credit score over time. Don't be afraid to check your credit score regularly and take steps to improve it when necessary. Your financial future depends on it.

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