Does your Credit score go down by checking it online?
I have heard from several people, who check Credit Scores online, that by checking your Credit Score online it will lower your actual credit score. Is this true or false? If it is true, why would that lower Your Credit Score?
As long as your using one of the report services like Annualcreditreport.com, Freecreditreport.com etc. no there is no damage done to your score this is called a soft pull and you do not lose points for them
Now if you apply for credit like at a department store, credit card company, auto dealer etc. then yes this is called a hard pull and you lose between 3-5 points for each one. The exception to this would be when your applying for either a vehicle or home loan then all applications within a 14-day period are lumped together and only count as one, they all show but your credit only takes one ding.
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