? A: This is a great question, and a very common misconception. In short, no, get your credit report and / or credit score will not harm your credit at all. Therefore
Checking your own credit information is called a "soft pull" or "soft inquiry" and will not affect your credit. When you order your free annual credit report or sign up for a credit report monitoring service, you request your report yourself, so you can get this information as many times as you want and it will never harm your credit score.
Conversely, when a lender pulls your credit report to you on a loan, for example, this is called a "hard pull" or "hard inquiry" and will be displayed on your credit report as a credit inquiry, which can cause a slight decrease in your credit score.
So if you are curious about your credit report and your credit score, there is absolutely no harm in asking that information yourself. While you are entitled to a free credit report from each of the three offices - Equifax, Experian and TransUnion - to www.annualcreditreport.com This site does not provide you with credit scores, credit reports only [
If you want to get your free credit score in addition to your credit reports, simply register for a free trial of one of the top credit report monitoring services and receive instantly. You can find the perfect service for you on our comparison page credit report monitoring services.