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Does checking your credit score lower it?

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    There's a common misconception that you checking your credit score will lower it, but that's actually not the case. Regularly checking your credit score and credit report helps make sure all of your information is correct, can detect potential fraud or identity theft and shows where you stand from a financial health perspective.

    Does a credit check lower your score?

    Checking your credit score on your own, which is a soft credit check or inquiry, doesn't hurt your credit score. But when a creditor or lender runs a credit check, that's often a hard credit check, which could affect your credit score.

    What is a soft credit check?

    A soft credit inquiry, also called a soft credit check or soft pull, is usually done by you or another authorized person, like an employer. Soft credit inquiries don't affect your credit score because you're not actually applying for credit, and these types of inquiries don't necessarily require your permission.

    These can occur when you request a copy of your credit report or check your credit score. Other types of soft credit inquiries include a landlord or employer checking your credit or a creditor checking your credit to offer you pre-approval or pre-qualification.

    What is a hard credit check?

    A hard credit check, also called a hard credit inquiry or hard pull, is what a lender or creditor runs when you take the next step and actually apply for credit. Hard credit checks do affect your credit score and may stay on your credit report for two years.

    What can lower your credit score?

    Checking your credit score won't lower it, but there are a number of factors, in addition to hard credit checks, that can lower your score.

    The VantageScore® 3.0 scoring model, which Chase Credit Journey® uses, is made up of six factors:

    • Payment history: tracks whether your payments are made on time. Late payments can hurt your credit score.
    • Credit history: how long you've had your different credit accounts open. The longer your credit history might mean the better your credit score, depending on other factors.
    • Credit usage: the amount you owe compared with the amount of credit you have, also known as your credit utilization ratio. As a rule of thumb, it's best to keep credit usage under 30 percent.
    • Total balances: the amount of your recently reported balances, both current and delinquent. The lower your balance, the better.
    • Recent credit: the number of new credit accounts you've opened. Creditors and lenders typically run a hard credit check each time you apply for credit, and multiple hard inquiries in a short period of time can lower your credit score.
    • Available credit: the amount of credit available to you. This also influences your credit utilization ratio, so the more available credit you have compared with the amount of credit you've used, the better.

    How do you get your credit report?

    You can check your credit score for free using the Chase Credit Journey, and if you want to do a deeper dive into your credit history, you can review your credit report using this feature as well.

    You can get a free copy of your credit report once a year from each of the three major credit bureaus (Experian™, Equifax® and TransUnion®) at

    You have the right to a free credit report from or 877-322-8228, the ONLY authorized source under federal law.

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