does checking your credit report online damage your credit?

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  • 1 decade ago
    Favorite 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.

  • 1 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
  • 1 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 [edit] 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 h
    Lv 4
    1 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.

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