Does Checking Your Credit Score Lower It?
Many people avoid checking their credit score because they believe it will make their score go down.
This is a myth—and it can literally cost you money.
The truth: Checking your own credit score does not lower it.
Whether you check it once a year or once a day, your score stays the same. In fact, monitoring your credit score regularly is a smart financial habit.
In this FixMyScore guide, you’ll learn:
- Why the myth “checking credit score lowers it” exists
- The difference between soft vs hard inquiries
- How often can you safely check your credit score
- Why regular monitoring protects your financial health
Why the Confusion? Soft vs Hard Inquiries
Most people worry because they mix up two very different types of credit checks:
- Soft inquiries (soft pulls)
- Hard inquiries (hard pulls)
Understanding the difference between these two is the key to ending your credit score anxiety.
What is a Soft Inquiry (Soft Pull)?
A soft inquiry is an informational check that has zero impact on your credit score.
When you check your own credit score, you’re performing a soft inquiry (also called a soft pull). This is simply a view of your existing credit file.
Think of it like checking your bank balance online. Looking at your balance doesn’t change it. Similarly, viewing your credit score doesn’t lower it.
Soft inquiry basics:
- Impact on score: Zero. Your score remains completely unaffected, no matter how many times you check.
- Visibility: Only you can see soft inquiries. Lenders cannot see them on your credit report, so they play no role in lending decisions.
- Purpose: Information and monitoring only. It’s just a review of your existing credit information.
Soft inquiries include:
- Checking your own credit score through any app, website, or service
- Pre-approved credit card or loan offers
- Periodic account reviews by your existing lenders
- Pre-qualification checks before you formally apply for a loan
Bottom line: Soft inquiries are 100% safe. You can check your credit score as often as you want.
What is a Hard Inquiry (Hard Pull)?
A hard inquiry can temporarily lower your credit score. It happens when you officially apply for new credit, like a loan or credit card, and a lender checks your credit report to assess risk.
Here’s how hard inquiries work:
- Impact on score: A single hard inquiry typically causes a small drop of about 5–10 points. The impact reduces over time and stops affecting your score after about 12 months.
- Visibility: Hard inquiries are visible to all lenders who check your report and generally stay on your credit report for up to 2 years.
- Purpose: Risk assessment. It signals to other lenders that you are actively seeking new credit, which may be interpreted as potential financial strain.
Real-world examples of hard inquiries:
- Applying for a new credit card
- Taking a home loan
- Taking an auto loan
- Applying for a personal loan
- Applying for education / student loans
Hard Inquiries Are Normal – Just Manage Them Smartly
You can’t avoid hard inquiries if you want to borrow money. But you can manage them strategically:
- Space out applications: Avoid applying for many credit cards or loans at the same time.
- Be intentional: Apply only when you genuinely need new credit or when it helps your financial goals.
- Check your score first (soft inquiry): Use a FixMyScore credit score check or any trusted service to understand where you stand before applying.
Important: Multiple hard inquiries in a very short period (for example, applying for 5 credit cards in 2 weeks) can have a more noticeable impact, because scoring models may see this as a sign of financial distress.
Does Checking Credit Score Lower It? Final Answer
No. Absolutely not.
Whenever you check your own credit score—through a credit monitoring service, your bank’s app, or directly on a credit bureau’s website—you are performing a soft inquiry.
- Soft inquiries have zero impact on your credit score.
- This is not a gray area. It’s a clear rule followed by all major credit scoring models.
You have nothing to fear. In fact, regularly checking your credit score is one of the smartest financial habits you can develop.
How Often Can I Check My Credit Score?
The short answer: As often as you want, with zero negative consequences.
Because checking your own score is always a soft inquiry, there is no penalty for frequency.
You can check your score:
- Daily – If you like to track changes in real time
- Weekly – To maintain regular awareness
- Monthly – To monitor progress and catch errors early
- Whenever you want – There is no limit
Free Credit Score Checks & Your Rights in India
You can (and should) track your credit health regularly without harming your score, thanks to RBI regulations and modern tools available in India.
Under the Credit Information Companies (Regulation) Act, 2005, enforced by the Reserve Bank of India (RBI), you have a legal right to access your credit information.
Key points:
- One Free Report per Bureau per Year: You are entitled to one Free Full Credit Report (FFCR) annually from each of India’s major credit bureaus—CIBIL, Experian, Equifax, CRIF. This report includes your credit score, payment history, outstanding loans, and recent inquiries.
- Where to get it: Directly from the bureau websites or trusted partners using your PAN and basic KYC details.
- No impact on score: Accessing your own report is a soft inquiry; it has zero impact on your credit score.
- Update frequency: Lenders now report your credit activity to bureaus twice a month, so your score is usually updated within a few days of any change.
Along with the bureaus, modern services like FixMyScore can help you check, improve, and better understand your credit score in a simpler way.
Monthly Monitoring for Maximum Protection
Beyond your free annual reports, credit advisory services (including low-cost or free options) can give you continuous protection using soft inquiries only.
These services typically offer:
- Daily or frequent score updates
- Real-time fraud and suspicious activity alerts
- Error and mismatch notifications
- Bill and payment reminders
Regular monitoring lets you spot problems early—before they turn into serious financial damage.
Why You Should Check Your Credit Score Regularly
Checking your credit score is not just safe, it’s essential. Here’s why:
- Catch errors early: Spot and dispute mistakes (like wrong loan entries or incorrect late payments) before they hurt your score.
- Detect identity theft quickly: An unexpected drop in your score can be an early warning sign of fraud or misuse of your PAN/identity.
- Track your financial progress: See how your score improves as you pay down debt, lower your credit utilization, and pay bills on time.
- Stay in control: Understand what lenders see and what factors are influencing your score—positively or negatively.
- Use your legal rights: Take full advantage of your free annual reports under RBI regulations.
- Stay motivated: Watching your score move up over time is powerful motivation to maintain good financial habits.
With regular monitoring, you can detect suspicious activity and protect your financial future.
The Bottom Line: Make Checking Your Credit Score a Monthly Habit
Checking your own credit score is risk-free and financially responsible.
Here’s a simple routine to follow:
- Check your score now: See where you currently stand.
- Check at least once a month: Set a calendar reminder so you don’t forget.
- Monitor for errors: Review your credit report for inaccuracies or unknown accounts.
- Track your progress: Watch how your score changes as you pay EMIs on time, reduce debt and build a longer credit history.
- Stay alert for fraud: If you see a sudden drop or an unknown loan/credit card, take action immediately.
Stop fearing the “checking credit score lower it” myth. Start monitoring your credit score today and take control of your financial health.
Frequently Asked Questions
1. Does checking my own credit score lower it?
No. Checking your own credit score through any consumer service is always a soft inquiry. Soft inquiries have zero impact on your score. You can check as often as you like with no negative consequences.
2. How many times can I check my credit score without hurting it?
Unlimited times. There is no limit to how many soft inquiries you can perform. You can check your score daily, weekly, or monthly—your score will not drop because of this.
3. What is the difference between soft and hard inquiries?
- A soft inquiry is an informational check (checking your own score, pre-approved offers, and account reviews) with zero impact on your score.
- A hard inquiry occurs when you apply for credit (credit card, loan, or mortgage). Lenders use hard inquiries to assess your risk, and they may temporarily lower your score by about 5–10 points.
This is the core difference in soft vs hard inquiries.
4. When should I check my credit score?
At a minimum, check your credit score once a month. Monthly monitoring helps you:
- Catch errors and fraud early
- Understand how your financial decisions are affecting your score
- Prepare for future loan or credit card applications
5. Can checking my credit score hurt my chances of getting approved for a loan?
No. Lenders only see hard inquiries, not soft ones. Checking your own score is a soft inquiry and has no impact on your loan approval chances.
6. How much does a hard inquiry lower my score?
A single hard inquiry typically results in a 5–10 point drop in your credit score. This reduction is small and temporary. After about 12 months, the hard inquiry stops affecting your score.
It may remain visible on your report for up to 2 years, but after the first year, it has zero impact on your actual score calculation.
Key Takeaways
- Checking your own credit score does NOT lower it.
- Soft inquiries (personal monitoring) have zero impact on your score.
- Hard inquiries (loan and credit applications) may cause a temporary 5–10 point drop.
- You can check your credit score as often as you want with no penalty.
- Monthly monitoring helps you catch errors and fraud early.
- Regular credit monitoring is a smart financial habit, not a risk.
