Will checking my own credit report through Experian lower my score?
Requesting a copy of your own credit report will not affect your credit scores. An inquiry will be added to your report as a record that you requested it. This type of inquiry is sometimes called a "soft" inquiry because it is shown only to you. Therefore, you can check your own credit report as often as you like with no affect on your credit scores.
Other "soft" inquiries include those for insurance or employment purposes, in order to make a prescreened offer of credit, and inquiries by creditors with which you already do business.
Inquiries shown to lenders, sometimes referred to as "hard" inquiries, result from your application for credit or other services. They are shared because they represent potential new debt that doesn't yet appear in your credit report as an account.
That unknown debt represents potential risk, so "hard inquiries" can affect lending decisions and credit scores, although the impact is typically small and short-lived.
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- The "Ask Experian" team
Want to instantly increase your credit score? Experian Boost™ will be available in early 2019 and helps by giving you extra credit for the utility and mobile phone bills you're already paying. Until now, those payments did not positively impact your score.
This service will be completely free and can boost your credit score fast by using your own positive payment history. It can also help those with poor or limited credit situations. Other services such as credit repair may cost you up to thousands and only help remove inaccuracies from your credit report.