ravinskye
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I think they recommend to check it once every 6 months. I wouldn't do it more than that...there are sights that you can check it once a year for free. I think annualcreditreport.com is the right site. |
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meryland4me
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once every 2 years. look over report, and file a discrepancy in what's there. |
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Angel
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Every two weeks is to often. Take it down to twice a year... |
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goodfowlkes
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Everday! :) Really, once a year sure be fine. |
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gbinnicker
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YES EVERY TIME YOU CHECK IT ARE SOME ELSE DOES IT TAKES POINTS AWAY. AND THAT'S NOT RIGHT. |
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sjwhvac
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Once a year. and its free. Check any more than that and your credit score will drop.If you apply for alot of credit cards,bad. you credit will drop approved or not |
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hobbs1833
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Checking your score yourself is 'Soft' no points are deducted from your FICO score, but the one answerer is correct apply to monitoring agency and get a hard report once a year, that is standard, now if you are monitoring because your information was compromised then once every two months should be good to catch anything. |
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kentata
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You don't get dinged for making inquiries into your OWN report. You will lose points if potential creditors make too many inquiries.
You may want to make a full check once or twice a year ... but, it is not a bad idea to belong to one of the credit reporting agencies alert systems so you know if credit is being opened in your name. I belong to Equifax credit watch so I can keep track of any potential fraudulent activity. |
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hivoltgfly
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I used to be a financial counselor so I can answer this from experience. Checking your own credit report does NOT affect your credit score. You could check it every day if you wanted and it would not lower anything. The only time your credit score IS affected is when you are applying for credit or a loan. In that case the creditor would be checking your score for approval. This DOES affect your score. In my opinion checking once a year is sufficient, unless you are making sweeping changes with payoffs and property etc. If you go to www.annualcreditreport.com you can check your report up to 3 times (once per company) a year. Luckily this was provided by legislation which allows consumers to check. All you have to do is pay a little extra ($6-10) if you want an actual score. But its well worth it! |
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jafnarf
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Personally I would advice checking your credit report about every 5-6 months. Every 3-4 months would be too often and would drive your credit score down (too many inquires), Unless you feel that your personal information has been compromised. |
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asking-a-question
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Your credit score is not affected by you checking your credit report. No credit agencies have access to how many times you've run your own report.
Having said that, I run my report and score once every quarter. |
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vihlee
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More than once a year |
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N-2-Motivation
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To the best of my knowledge there is no hidden penalty for checking ones credit score. Please correct me if I am wrong.
However, there are penalties when you apply for multiple loans at the same time, so watch out for this if you are ever "loan surfing" |
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