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Do free credit scores hurt your credit rating?


Do free credit scores hurt your credit rating?

According to don’t hesitate to check your credit reports and credit scores for free.

While it’s true that anytime you or someone else obtains your credit report or score an “inquiry” is placed.

And those “inquiries” can remain on your reports for up to two years and are typically factored in when calculating scores.

However, the type of “inquiry” that is placed when you initiate your own credit review is called “consumer initiated” inquiry.

This is known as a “soft inquiry” and is not a factor when it comes to calculating your three digit credit score.

Experts say it is necessary to regularly check your credit report for errors.