Doug's Credit Center Blog

How Many Times Can You Check Your Credit Score?

How many times can you check your credit score? This is a question that many people have. They might just want to know in general, or they may be planning to take a car loan out soon. While no one specific answer exists, here are some tips you can use to determine if now is a good time.

The Impact on Your Credit Score

When you are asking, “How many times can you check your credit score?” you absolutely must consider the impact that multiple checks can have on it. When you are constantly looking into your scores and inquiring about your credit, then you might actually end up lowering your score. You definitely do not want to do that as just a few points could bring you from the good to fair range. More than a few times per year is really not necessary when it comes to checking credit scores.

Free Credit Reports

You might also be wondering how often you are able to get a credit report for free. There is a clear-cut answer to this question. If you are utilizing, then you can obtain one every 12 months without a cost to you. Yes, you could get your credit report at other times of the year, but you will have to pay. Not only would you have to pay money-wise, but once again, your credit score could start to drop because you are constantly pulling copies of your report.

Why and When You Should Check Your Credit Score

It’s not so much about the amount of times that you check it but rather whether or not it is actually necessary to check your score. Here are some times when you might want to:

  • If you’re worried someone may have stolen a card
  • If you are planning to go for auto loan financing or home loan soon
  • If it has been a long time since you saw your credit score
  • If you have no idea where your score might stand

Using these guidelines can help you to determine when you should look into your score.

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