If you’ve ever checked your credit score and worried that doing so might harm it, you’re not alone. This is a very common concern.
The good news is that checking your own credit score does not lower it.
In this guide, we’ll explain why, how credit checks work in the UK, and what you need to be aware of.
Disclaimer: This article is for general information only and does not constitute legal or financial advice. Always seek professional advice if you are unsure about your situation.
Does checking your credit score affect it?
No, checking your own credit score does not affect it.
When you check your score, this is known as a soft check (or soft search), and it has no impact on your credit file.
You can check your score as often as you like without worrying about it being reduced.
What is a soft check?
A soft check is a type of credit check that:
- is visible to you
- is not visible to lenders
- does not affect your credit score
Soft checks are commonly used when:
- you check your own credit report
- companies provide eligibility checks
- you use comparison tools
What is a hard check?
A hard check (or hard search) happens when you apply for credit.
This type of check:
- is visible to lenders
- may affect your credit score
- is recorded on your credit file
Examples include:
- applying for a credit card
- applying for a loan
- applying for a mortgage
How do hard checks affect your credit score?
A single hard check will usually have a small impact.
However:
- multiple applications in a short period
- repeated hard checks
may lower your score and make lenders more cautious.
How can you avoid unnecessary hard checks?
You can reduce the impact of hard checks by:
- spacing out credit applications
- using eligibility checkers (which use soft searches)
- only applying when you are confident you meet the criteria
Why should you check your credit score regularly?
Checking your credit score can actually be helpful.
It allows you to:
- understand your financial position
- spot errors or inaccuracies
- track your progress over time
You can learn more in our guide on what affects your credit score.
Can checking your credit report help improve your score?
Checking your report does not directly improve your score, but it can help you identify issues that may be affecting it.
For example:
- incorrect information
- outdated entries
- accounts you do not recognise
If you find errors, you can challenge them – see our guide on how to fix errors on your credit file.
Key takeaway
Checking your own credit score does not lower it. In fact, reviewing your credit report regularly can help you stay informed and take steps to improve your financial position.
Need further support?
If you’re feeling overwhelmed or unsure what to do next, you’re not alone – there are free, trusted organisations that can offer confidential advice and support.
- StepChange Debt Charity – Free, impartial debt advice and personalised support with managing and repaying debt.
- Citizens Advice – Independent advice on your rights, dealing with creditors, and resolving disputes.
- National Debtline – Clear guidance and practical tools, including template letters and advice on handling debt collectors and enforcement action.
- Samaritans – Confidential emotional support if you’re feeling stressed or anxious about your situation.
It’s often a good idea to seek advice before making any decisions, especially if you’re unsure about your rights or the validity of a debt.
These organisations offer free support and are not affiliated with this website.
FAQ
How often can you check your credit score?
You can check it as often as you like without affecting it.
Do lenders see when you check your score?
No, soft checks are not visible to lenders.
Do eligibility checkers affect your credit score?
No, they use soft searches and do not impact your score.