Stellar Snippets
Finding your credit score personally and checking your credit report does not hurt your credit status.
This is considered a soft inquiry on your credit status and has no effect. Your credit score is safe in this case.
When a lender checks your credit score as part of a credit application you've made, it is considered a hard inquiry.
Hard inquiries will show up on your credit report and too many of them can make your credit score drop a few points.
To check your credit score by yourself, you can get a free report from your bank or credit card issuer.
There are plenty of websites out there that offer free access to your credit score once you sign up for an account.
You can check your credit scores from the major credit bureaus: Equifax®, Experian®, and TransUnion®.
A FICO® score of 670 to 739 is "good". Higher scores are "very good". Anything below 580 is considered "poor".
Knowing your credit score will give you a good idea of your credit standing and will not cost you anything.