Why Doesn't a Credit Score Check Affect your Credit Score

You would think that checking your own credit score constantly would cause an affect on your credit report, but this isn’t the case. Checking your credit score has no impact on your credit at all. People are often afraid to look at their credit reports or check their scores because they think it might damage their credit. In this clean credit article, we’ll walk you through why that is and what factors go into determining your credit score.

By understanding how your credit score is calculated, you can work to improve it even more. So, don’t worry about checking your score – it won’t have any impact on your rating. Instead, focus on making positive changes that will help increase your score overall.

There are two types of credit checks that can be recorded in your credit history – hard inquiries and soft inquiries. Hard inquiries occur when you apply to borrow money from a bank or similar lender, such as when you apply for a home loan, personal loan, car loan, or a credit card. Soft inquiries occur when your credit file is accessed outside of applications to borrow money, such as when you check your own credit score or Credit Karma report.

Too many hard credit checks in a short period of time can make it look like you’re struggling financially and desperately need access to credit. This, in turn, could lead lenders to reject your future applications for credit products.

Credit score checks are simply requests for information, not loan applications. Therefore, checking your credit score should not positively or negatively impact a lender’s decision to approve or deny your future credit applications.

Although a soft check of your credit score may not seem like much, it could be the first step in repairing your damaged credit. By accessing and checking your history for errors, you’re more likely to find cases of identity theft or lender mistakes that you can then work to get cleared up.

A poor credit score can have a significant impact on your life. It can make it difficult to get approved for a loan, rent an apartment, or even get a job. If you have any defaults, court judgements or fraudulent inquiries on your credit file, Clear Credit Solutions can help remove them. We offer a free credit file assessment to determine the best course of action for repairing your credit history. Contact us today to learn more about our clean credit service and how we can help get your credit back on track!