If I check my credit report all the time will that lower my credit and my credit score?
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No, it will not lower your credit score. Checking it yourself is only considered to be a soft inquiry therefore; it will not have any impact or whatsoever on your score. If you apply for a loan though or a mortgage, then it will be considered as a hard inquiry which could decrease your score. You can avoid decreasing your score any further by making sure that lenders will only pull your report during the time allotted. So you can better understand how checking credit reports affect your score, you must definitely visit
Simply checking your report has no effect on your credit score.
it has no affect sorry.