How to check your credit score without hurting it

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Finding your credit score personally and checking your credit report does not hurt your credit status.

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This is considered a soft inquiry on your credit status and has no effect. Your credit score is safe in this case.

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When a lender checks your credit score as part of a credit application you've made, it is considered a hard inquiry.

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Hard inquiries will show up on your credit report and too many of them can make your credit score drop a few points.

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To check your credit score by yourself, you can get a free report from your bank or credit card issuer.

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There are plenty of websites out there that offer free access to your credit score once you sign up for an account.

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You can check your credit scores from the major credit bureaus: Equifax®, Experian®, and TransUnion®.

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A FICO® score of 670 to 739 is "good". Higher scores are "very good". Anything below 580 is considered "poor".

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Knowing your credit score will give you a good idea of your credit standing and will not cost you anything.

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