Does Checking Your Credit Affect Your Credit Score?
All inquiries or credit checks show up on a credit report, but not all inquiries will affect a credit score. Some credit checks will only be visible to you when requesting a copy of your own credit report. Personal credit report requests, employment checks and pre-approved offers are some of the inquiries that do not affect a credit score.
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Self Checking
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Checking your own credit will not affect your credit score. The inquiry for your personal credit report will not show up when potential lenders request a credit check.
Outside Inquiries
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Outside inquiries made by potential lenders can affect a credit score. Credit applications resulting in numerous credit inquiries can lower a credit score. These inquiries are visible to lenders and remain on a credit report for 2 years.
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Pre-Approved Offers
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Credit card companies and banks often send out pre-screened offers with teaser rates as a marketing strategy. These pre-approved or pre-screened offers do not affect your credit score.
Employment Credit Checks
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Employer credit checks will not affect a credit score. Employment inquiries will only be visible to the consumer when he requests a copy of his credit report.
Open Account Inquiries
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When a person has an account with a lender, the company will occasionally check the person's credit report to review their score. These open account inquiries do not affect a credit score.
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