How to Check Your Credit Score Without Lowering It

If you’re looking to check your credit score without lowering it, there are a few things you can do. First, check your credit report for any errors. You can also use a credit monitoring service to keep an eye on your score. Finally, make sure you’re using credit responsibly by paying your bills on time and keeping your credit utilization low. By following these tips, you can check your credit score without lowering it.

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Get a free credit report

One of the best ways to check your credit score is to get a free credit report from one of the three major credit bureaus: Experian, Equifax, or TransUnion. You can get your free credit report from AnnualCreditReport.com.

AnnualCreditReport.com is the only website that is required by law to provide you with a free credit report. Be aware of other websites that claim to offer free credit reports, but actually charge you a fee.

When you request your free credit report, you will need to provide some personal information, such as your name, address, Social Security number, and date of birth. You will also be asked some questions about your employment and financial history.

It’s important to remember that your credit report does not include your credit score. If you want to see your credit score, you will need to purchase it from one of the three major credit bureaus or from a third-party website.

You are entitled to one free credit report from each of the three credit bureaus—Experian, Equifax, and TransUnion—every 12 months. You can get your free credit reports through AnnualCreditReport.com.

You are entitled to one free credit report from each of the three credit bureaus—Experian, Equifax, and TransUnion—every 12 months. You can get your free credit reports through AnnualCreditReport.com.

In addition to your free annual credit report, you can get a free credit report any time you apply for a new line of credit. When you do, the creditor will request a copy of your report from one or more of the credit bureaus. This is called a “hard inquiry” and will show up on your credit report.

If you want to check your credit score without triggering a hard inquiry, you can use a “soft” credit score service like Credit Karma or Quizzle. These services give you an estimate of your score based on the information in your Experian, Equifax, and TransUnion credit reports. They don’t give you your actual score, but they use the same scoring methodology as lenders, so their estimate is generally accurate.

Checking your score with a “soft” service won’t lower it because there is no hard inquiry associated with these types of services.