does checking your credit report online damage your credit?
- 1 decade agoFavorite Answer
As mentioned above, what lowers credit scores are "hard" pulls...that's when you give someone permissible purpose to pull your credit. When you pull it, it's known as a "soft" pull, which doesn't affect your score NOR does it show up in the inquiries list. So no one knows how much you pull your credit except YOU.
- RedSoxFanLv 41 decade ago
Checking your credit report online, or by contacting a credit reporting agency, has NO effect on your score. Any time you apply for credit or services, like utilities, and the company accesses your credit file, it has a small effect.
If you were to check your credit report everyday on the internet, however, you may cause your credit report to become too long and that would be bad.Source(s): Credit specialist
- Papa JohnLv 61 decade ago
Well, it doesn't damage it, but it will lower it a bit. The more inquiries, the more it will get lowered. It's kind of like a red flag. Why are so many companies,banks,etc looking into your credit? Looks like you're in trouble or looking to take out some loans soon.
- 1 decade ago
No. Anyone checking their own score is known as a 'soft pull' and will not be detrimental to your credit score.Source(s): Common Knowledge  I guess it's not so common knowledge according to the answers below. Try number 5 on http://www.bankrate.com/brm/news/credit-management...
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- 1 decade ago
each check of your credit reduces your credit score by a small amount.
- lisa hLv 41 decade ago
I go to freecreditreport.com and it doesn't damage your report when you check it. It shouldn't ding your credit when you check it anywhere else either.