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Home Credit Scores Does Checking Your Credit Score Lower It?

Does Checking Your Credit Score Lower It?

Binoculars pointing at credit score gauge representing checking credit score

At a glance

No, checking your own credit score won’t lower it. Of the two types of credit checks, hard inquiries and soft inquiries, only hard inquiries hurt your score.

Instantly access your report and discover your credit score from all three credit bureaus.

Checking your score won't hurt your credit.

Written by Yi-Jane Lee and Jesslyn Firman

Reviewed by Kari Dearie and Robert Jellison

May 3, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Monitoring your credit is one of the most important things you can do to protect your financial health. Understandably, you may be wondering whether doing so will hurt your credit score.

Checking your own credit score, which is considered a soft inquiry, won’t lower your score. However, if a lender checks your credit, which will usually result in a hard inquiry, your score may drop a few points. Read on to learn more about the different types of credit checks and how they can (and can’t) affect your credit score.

Table of Contents

  1. Do credit checks lower my credit score?
  2. How much does checking my credit hurt my score?
  3. Should I check my own credit score?
  4. How to check your credit score without lowering it
  5. How to improve your credit score after checking it

Do credit checks lower my credit score?

Not every credit check will lower your credit score. Whether it will affect your score or not depends on why your score is being checked and who’s doing the checking.

There are two types of credit checks:

  • Soft inquiries: These are credit checks that are unrelated to you applying for credit. For instance, if you check your own credit score, or if a creditor does so without getting your approval because they’re considering preapproving you for a credit card, it’ll be a soft inquiry. Soft inquiries don’t affect your credit score.
  • Hard inquiries: On the other hand, when you actively apply for credit or loans, your lender will run a different type of credit check on you called a hard inquiry. Hard inquiries usually knock a few points off your credit score.

People and companies need permission to check your credit

The Fair Credit Reporting Act (FCRA) regulates credit reporting and strictly prohibits the general public, including employers or landlords, from pulling your credit history without written permission. Businesses that wish to run a credit check on you without asking you first need a legitimate purpose to do so, such as preapproving you for a credit card. 1

Soft inquiries vs. hard inquiries: breakdown

The graphic below shows the differences between soft inquiries and hard inquiries in more detail.

Comparison table showing hard inquiries vs. soft inquiries

How much does checking my credit hurt my score?

If you check your own credit, it’ll result in a soft inquiry, so it won’t hurt your score at all. What’s more, even if someone else checks your credit with a hard inquiry, it will usually only cause minimal and temporary damage to your credit score.

A hard inquiry typically docks less than 5 points from your FICO score and 5–10 points from your VantageScore credit score.

Hard inquiries remain on your credit report for up to 2 years, but they’ll only affect your credit score for a few months.

The exact impact of a hard inquiry depends on several factors, most notably the length of your credit history. It may affect your credit score more if you have a short credit history or only a few credit accounts. 2 3

Should you avoid checking your credit to protect your score?

Again, checking your own credit doesn’t hurt your score at all, so you can check it as many times as you want. In fact, making sure that you’re checking your credit score often enough is important for maintaining and improving your credit health.

Given that hard inquiries have a low impact on your score, you shouldn’t worry too much about them either—getting one or two of them on your credit report won’t hurt you very much.

However, you should avoid getting too many hard inquiries within a short period of time (6 to 12 months), as this signifies to lenders that you may be a high-risk borrower. FICO claims that, statistically, those with six or more inquiries on their credit reports are eight times more likely to declare bankruptcy than those without any inquiries in their credit reports at all. 2

Should I check my own credit score?

Yes, you should check your credit score regularly. At the very least, you should check it once a year to ensure that your personal information and account information are correct and you haven’t fallen victim to identity theft.

You should also check your credit status a few months before you apply for a new line of credit, like a mortgage, auto loan, or credit card. Doing so will help you determine if you need to fix your credit before submitting a credit application.

If you’ve been managing your credit responsibly and notice a sudden and significant drop in your credit score, you should immediately check your credit report and dispute any inaccurate items that you find.

Credit reporting errors are more common than you think

A recent Consumer Reports study shows that it’s not uncommon to find inaccurate information on your credit reports. In fact, 34% of the participants claimed that they have found at least one error on their credit reports. 4

How to check your credit score without lowering it

Your credit score won’t suffer at all if you’re only checking it yourself, no matter how you do it.

There are several websites you can use to check your credit score (often for free):

  • AnnualCreditReport: Through AnnualCreditReport.com, you can access a free copy of your credit report every 12 months from each of the three major credit bureaus (Experian, Equifax, and TransUnion). Although the credit bureaus distinguish between credit scores vs. credit reports, some of your credit reports may display a free credit score.
  • Other free websites: The three credit bureaus offer credit checking services on their own websites. For example, Experian lets you check your score for free.
  • Your lender’s website: If you have a credit card, there’s a good chance you’ll be able to check your score on your lender’s online portal. For example, many credit card issuers offer free FICO scores each month.
  • FICO’s official site: There are more than a dozen versions of FICO’s credit scoring model. If you want to keep track of your score in all of them, consider signing up for FICO’s paid credit monitoring service (available on their website, myFICO).

Bear in mind that, because there’s more than one credit scoring model out there, you may receive different credit scores from different sites. To monitor your credit score more accurately, you should stick with the same site and scoring model each time you check.

You can currently get weekly credit reports for free

Due to the uncertain circumstances caused by the COVID-19 pandemic, the three major credit bureaus have been giving people free weekly access to their credit reports (in contrast to yearly access). This is scheduled to last until the end of 2022. As mentioned, you can access your free reports from AnnualCreditReport.com. 5

How to improve your credit score after checking it

Regularly checking your credit score is helpful if you’re trying to build or rebuild your credit history. It can help you stay on top of your finances and keep you motivated when you see your credit improving.

Here are four more tips to help you improve your credit score:

1. Catch up on overdue payments

You should prioritize catching up on late payments or bills, as your payment history is the most important factor determining your credit score.

If you have a number of bills that you’re behind on, target the ones with higher interest rates first to minimize the amount of interest you have to pay overall.

2. Pay off your current credit accounts on time and in full each month

If you miss payments, you’ll probably get hit with late fees (on top of the interest that will accrue on your active balance), making it a nightmare for you to pay down your debts. If you can’t afford to pay your credit card balance in full each month, be sure to at least make the minimum payments on time.

3. Keep the balances on your credit cards as low as possible

Try to keep your credit utilization rate (the amount of your credit that you’re using) below 30%. In general, the lower your rate, the better your score will be. If you have high balances, work on paying them down as quickly as you can.

4. Have a diverse credit portfolio

It’s helpful to have at least one installment loan (e.g., a mortgage, a student loan, or a personal loan) and one revolving credit account (a credit card) to maintain a good credit mix.

That being said, you should only apply for new credit when you need it, instead of for the sole purpose of boosting your credit mix. As you know, every credit account you apply for will incur a hard inquiry on your credit report, and while you don’t need to worry about one or two inquiries, having significantly more can be a cause for concern.

Takeaway: Checking your own credit score won’t lower it, but if your lender checks your credit, it might

  • Checking your own credit score is considered a soft inquiry, which doesn’t hurt your credit score.
  • However, when a lender runs a credit check because you applied for credit, it’s considered a hard inquiry, which will hurt your score.
  • A hard inquiry generally will only lower your credit score a little, but you should still avoid getting multiple inquiries in a short period of time.
  • You should check your credit report regularly to manage your finances and to detect any errors in need of disputing.
  • You can monitor your credit score for free through many websites. Doing so won’t hurt your credit score.

Article Sources

  1. Federal Trade Commission. "Fair Credit Reporting Act 15 U.S.C § 1681" Retrieved May 3, 2022.
  2. myFICO. "Credit Checks: What are credit inquiries and how do they affect your FICO® Score?" Retrieved May 3, 2022.
  3. VantageScore. "How Much Does Applying for Credit Really Hurt Your Credit Score?" Retrieved May 3, 2022.
  4. Consumer Reports. "A Broken System: How the Credit Reporting System Fails Consumers and What to Do About It" Retrieved May 3, 2022.
  5. Federal Trade Commission. "Free weekly credit reports during COVID extended through December 2023" Retrieved May 3, 2022.

Yi-Jane Lee

View Author

Yi-Jane Lee is a credit analyst who writes for FinanceJar. Her work covers credit repair, the credit scoring industry, budgeting, and debt. She has a BA from McGill University in Montreal, Quebec.

Jesslyn Firman

Credit Analyst

View Author

Jesslyn Firman is a credit analyst for FinanceJar. Her work covers credit repair and credit scores, and in the past she's extensively researched and written about the insurance industry. Jesslyn has a B.S. in Finance and Accounting and an MBA in Management.

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