Does Checking Your Credit Lower Your Score?

Many people avoid checking their credit because they’re worried it could hurt their score. This article explains what really happens when you check your credit.

Quick Answer

• Checking your own credit does not lower your score.
• Soft credit checks have no impact.
• Only certain applications cause score changes.

What Happens When You Check Your Credit

When you check your own credit score or credit report, it is recorded as a soft check. Soft checks are used for monitoring and education.

These checks are visible to you but are not used by lenders when making decisions.

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What Is a Soft Credit Check?

A soft credit check occurs when you review your own credit or when a company checks your credit for informational purposes.

Examples include checking your score online or prequalification reviews.

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What Actually Can Affect Your Score

A hard credit check may occur when you apply for a loan, credit card, or financing.

These checks can have a small, temporary impact, especially if several happen close together.

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Why This Confusion Exists

Many people group all credit checks together, but lenders treat soft and hard checks very differently.

Understanding the difference helps you monitor your credit without unnecessary fear.

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How Often Should You Check Your Credit?

Checking your credit regularly can help you spot errors, track progress, and catch potential issues early.

Since soft checks do not affect your score, reviewing your credit periodically is generally safe.

check your credit score

Key Takeaway

Checking your own credit does not lower your score. Understanding the difference between soft and hard checks allows you to monitor your credit confidently.