7 Credit Misconceptions and Myths Debunked


4. Checking your credit report will hurt the score

When you personally pull your credit report, it is not going to hurt your score. This is considered to be a soft pull or a soft inquiry and has no impact on your credit score – and this is something that people should be doing regularly to better their financial health. Go to annualcreditreport.com to get your free credit report each year.