MONEYGlossary · Money · Building credit
Soft inquiry (soft check)
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Looking at your own report or score is a soft check, and it never affects your score.
“Checking your own credit does not affect your credit scores.” A hard check is when you apply for credit.
From FILE 005: how to see your file for free.
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Sources
Official and government data first. Every quote is word for word; follow the link to check it yourself.
SOURCE 01Aug 28, 2026
Consumer Financial Protection Bureau · “What happens when a mortgage lender checks my credit?”
“Checking your own credit does not affect your credit scores.”
consumerfinance.gov (opens in a new tab)SOURCE 01Aug 28, 2026
Consumer Financial Protection Bureau · “What happens when a mortgage lender checks my credit?”
“Checking your own credit does not affect your credit scores.”
consumerfinance.gov (opens in a new tab)