Checking your own credit score is considered a soft inquiry and won't affect your credit. There are other types of soft inquiries that also don't affect your credit score, and several types of hard inquiries that might.
How can I check my FICO score without hurting my credit?
Luckily, many financial institutions offer access to your FICO® scores for free.
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- Discover Credit Scorecard. One of the best ways to access your FICO® credit score for free is through Discover Credit Scorecard. ...
- American Express® credit cards. ...
- Citibank® credit cards. ...
- Bank of America. ...
- Credit unions. ...
- Ally Bank.
Does viewing credit report lower score?
No, requesting your credit report will not hurt your credit score. Checking your own credit report is not an inquiry about new credit, so it has no effect on your score. ... You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion).
