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New Member
southerngirl306
Posts: 11
Registered: ‎02-28-2008

Frequent checks of credit score

Does checking my credit report often hurt my fico score?
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Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007

Re: Frequent checks of credit score

Hi, southerngirl, welcome to the forums! (from another Southern girl.)

No, these are called "soft inquiries," and they do not get factored in scoring. I don't know if you have checked out the Credit Education section here, but there's some useful stuff:
What's not on your score:
Certain types of inquiries (requests for your credit report).
The score does not count “consumer-initiated” inquiries – requests you have made for your credit report, in order to check it. It also does not count “promotional inquiries” – requests made by lenders in order to make you a “pre-approved” credit offer – or “administrative inquiries” – requests made by lenders to review your account with them. Requests that are marked as coming from employers are not counted either.
Here's the link:

http://www.myfico.com/CreditEducation/WhatsNotInYourScore.aspx

Also, be sure to read Credit Scoring 101, stickied at the top of this board:

http://ficoforums.myfico.com/fico/board/message?board.id=ficoscoring&thread.id=2654
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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