Sunday, June 28th, 2009

Does it hurt your credit score when you check your own credit report?

credit report score
kel5996 asked:


I have been told that every time I order my credit report, my score goes down. Is this true?

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This entry was posted on Sunday, June 28th, 2009 at 12:00 am and is filed under How To Improve Your Credit Score. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

12 Responses to “Does it hurt your credit score when you check your own credit report?”

gary h Says:
July 3rd, 2009 at 2:15 pm

Yes, at every inquiry, it goes down one point.

buckobuckobucko Says:
July 5th, 2009 at 12:00 pm

Yes, every time you have an inquiry to your credit it counts against you.

Gemma Says:
July 8th, 2009 at 10:45 am

It’s when others look at your credit score to determine suitability for new credit. The inquiries you make into your own score don’t affect it.

Michael S Says:
July 9th, 2009 at 8:39 am

No. If many companies are checking your credit it looks like you are trying to hard to get credit and they will lower your score.

Betsy Says:
July 11th, 2009 at 8:37 am

I don’t know if your score actually goes down or not, but every time you request a copy it shows and appears to others viewing the same as if you had applied for credit somewhere. Therefore it looks like you either have credit somewhere else that’s not listed or you were turned down by someone else.

rsltompkins Says:
July 14th, 2009 at 1:08 am

every time someone else checks your credit points are deducted, but when you check no points will be deducted. i also suggest you get a comprehensive credit check , because from time to time your current creditors will check your report and no points should be deducted, but you’ll be able to see how often they do this. they do this to gauge how you are paying your bills and to see if your a good risk for more credit.

DVP Says:
July 17th, 2009 at 12:50 am

Yes, but not as much as you think. I rather check on my credit report make sure no one has been tampering with it vs finding out someone have been using my credit. I suggest every one should check it at least every year. Hope this helped

Issym Says:
July 19th, 2009 at 2:52 am

No hun you can check your credit report 20 times a day every day and it wont even show on your credit report. There are soft hits and hard hits when someone is dealing with your credit report. You do not fall under any of these. Its not even noted when you look at your own report. This is why the reporting bureaus have credit monitoring. If you still feel conflicted because of the people saying yes above. Give Trans Union a call and ask for yourself and you will learn it doesn’t effect you.

Good luck to you!

mastermind Says:
July 21st, 2009 at 4:03 am

Simple answer is No.
To make things more complicated it depends on what the reason is for checking your credit.
Checking several times over short period of time like in 3-4 weeks to purchase items or applying for credit card will hurt your credit score and rating.
On the other hand checking for your own securtiy will not. Of course after you make some corrections on the credit record you will need to get an updated copy to confirm. This will not hurt your score.
The rule of thumb is never utilize your credit cards more than 30-40% and stay away from department cards. Although dept. cards may be easier to get they do not help with credit scores. The idea is to always have more unused credit, than used and liable for monthly dues.

Joe U Says:
July 22nd, 2009 at 5:50 am

Every time a credit report is requested, it is noted in your credit report(s). Whether it harms your credit score or not is up to the individual lender.
For instance, 10 credit reports in a week from auto dealers would only indicate that you were car shopping. 10 credit reports in a week from credit card companies would indicate that you might be getting ready to spend a lot more money that you could repay.
The first instance would not usually hurt your credit score, the second would.

iceman Says:
July 25th, 2009 at 12:34 am

No it does not. Anyone who sais it does has no clue what they are talking about.

Its obivous many people are not aware of this by looking at the answers you are given here.

spifiman1 Says:
July 28th, 2009 at 4:44 am

No it doe’s not.

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