Showing results for 
Search instead for 
Did you mean: 

Frequent checks of credit score

New Member

Frequent checks of credit score

Does checking my credit report often hurt my fico score?
Message 1 of 2
Moderator Emerita

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:

Also, be sure to read Credit Scoring 101, stickied at the top of this board:
* 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
Message 2 of 2