Is there any way I can check my credit score without it hurting my score? How much does it hurt me to order my credit score?
Order your own credit report and credit score as many times as you like. It will not hurt your credit history, your credit scores or have any effect on lending decisions.
There are two types of inquiries on your credit report: requests viewed by others, and requests viewed only by you.
When you request your own credit report and/or credit score, the inquiry is listed under "requests viewed only by you." They are not included in the data provided to creditors so they cannot be scored. These inquiries are only seen by you, though there are a couple of exceptions. Soft inquiries on your credit report are only visible to you, except: (1) insurance companies may be able to see other insurance company inquiries; and (2) inquiries by debt settlement companies you have authorized to access your report may be shared with your current creditors. These inquiries have no effect on your credit score as they are never considered as a factor in credit scoring models. Soft inquiries are not disputable but are available for reference. For that reason they are often called "soft" inquiries.
When you apply for credit and a lender pulls your credit report and/or requests a score, it results in an inquiry that can be seen by your creditors and any other lenders who may check your report. If your report is scored, the inquiry could have a minor, short-term impact. Because inquiries resulting from your application for credit can be viewed by others, they are often referred to as "hard" inquiries.
Thanks for asking.
The "Ask Experian" team
Want to instantly increase your credit score? Experian Boost™ helps by giving you credit for the utility and mobile phone bills you're already paying. Until now, those payments did not positively impact your score.
This service is completely free and can boost your credit scores 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.