SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/teen-credit-check-own

What happens to your credit score when you check your own credit report?

Nothing. Checking your own report does not hurt your score.

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  1. Your score drops 20 points
  2. Your score drops if you check twice
  3. Nothing, it has no effect ✔

Why: Looking at your own report is not an application for new credit. So it does not count against you.

Huh, didn't know that: Checking your own report is a good way to spot mistakes or signs of identity theft.

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References

Answer: Nothing, it has no effect. Looking at your own report is not an application for new credit. So it does not count against you.

  1. CFPB: Will requesting my credit report hurt my credit score? www.consumerfinance.gov/ask-cfpb/will-requesting-my-credit-report-hurt-my-credit-score-en-1229
    Checking your own credit report is not an inquiry about new credit, so it has no effect on your score.
    Checked 2026-10-10.

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