Credit Report Monitoring FAQ

Frequently Asked Questions about Credit Report Monitoring

If I get a copy of my credit report, or sign up for credit report monitoring, does it hurt my credit score?

No. Requesting a copy of your credit report will not negatively impact your credit score. Neither will subscribing to a credit monitoring service. When you authorize a lender to check your credit, it is called a "hard pull," which may cause your credit score to drop slightly. However, when you check your own credit, this is known as a "soft pull," which does not hurt your score. You can check your own credit report and score as frequently as you like without consequences.

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