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No, checking your own credit score does not lower it. When you check your credit score or request a copy of your credit report, it generally results in a soft inquiry, which does not affect your credit score.

There are two main types of credit inquiries:

- Soft inquiries: Occur when you check your own credit, when a lender reviews an existing account, or when a company checks your credit for a prequalified offer. They do not affect your credit score.

- Hard inquiries: Usually occur when you apply for a credit card, personal loan, mortgage, or other credit product. They may temporarily lower your credit score because scoring models consider how recently and how frequently you have applied for credit.

You can check your credit score and monitor your credit reports regularly without worrying about lowering your score. In fact, reviewing your credit information can help you spot errors or suspicious activity before they cause problems.

tags : Credit Cards Credit Score Credit Report

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.