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Affects of using a credit monitoring service

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Regular Contributor

Affects of using a credit monitoring service

Hi - Does anyone know if using a paid or non-paid credit monitoring service (i.e. My FICO, Credit Karma) affect credit score?  I'm wondering if when they pull my credit scores if it counts as an inquiry.  Many Thanks!!!


3 REPLIES 3
Super Contributor

Re: Affects of using a credit monitoring service

Using a CMS will not affect your score.  Including if you pull your reports and/or score 40 times a year.

Message 2 of 4
Valued Contributor

Re: Affects of using a credit monitoring service

Nope, not at all, 0, nada.



FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 3 of 4
Super Contributor

Re: Affects of using a credit monitoring service

When you check your own scores, it results in a soft pull.  A soft pull cannot impact your score.

Message 4 of 4
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