How often can I check?

You will NEVER get dinged for YOU checking your own credit reports --- you can check it everyday single day if you wanted and you wouldn't get dinged -- on the other hand if you apply for credit every single day you'll get dinged because you're seeking credit and potential creditors are checking your file! When you check your own credit report it's a soft pull which means that when a creditors look at your file they will not be able to see that you have checked it -- other examples of soft pulls are employment and rental inquiries these are inquiries only you will be able to see not creditors....when a creditor checks your file it is a hard pull and this can effect your score and other potential creditors can view these hard pull inquiries......the way you can tell when viewing your report whether it can be seen by you or the creditors is that there usually on each bureaus report there is a section that says something like "can be viewed by others" (hard inquires) and "not viewed by others" (soft inquiries) so look at your file and see which hard inquiries are hurting you score!

I use to have a credit report monitoring service and checked my credit report almost weekly and didn't get dinged but I must tell you that if you check it more than once in a month like I said you will not get dinged but most likely nothing would have changed since creditors usually update file every 30 days

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RE How often can I check?

I'm in the process of buying a home, and when the mortgage broker checked my credit reports, the one thing which affected all three of them was that they said there had been excessive inquiries into my credit status. This was not from me, because I've never dared to look at my own credit reports. But now that I've looked (and it wasn't at all as bad as I feared), I'm wondering how often I can check my own credit reports without getting dinged for asking too often?

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RE:

How often can I check?

I'm in the process of buying a home, and when the mortgage broker checked my credit reports, the one thing which affected all three of them was that they said there had been excessive inquiries into my credit status. This was not from me, because I've never dared to look at my own credit...

Theirs something called a Hard Inquire. That's when a business checks your report or you sign an application for credit.

The Soft Inquire is you checking your credit report. If your FICO score is 720 and you were to check your credit report through myfico every 10 minutes a day for 20 years your score would still be 720 cause a soft inquire doesnt do anything to your report.

I learned you something.

The only credit inquiries that ding your credit score are inquiries generated by a credit application. When you check your own report it is a soft pull and doesn't count.

AnnualCreditReport.com will give you access to free annual credit report from each credit bureau. Spacing out one bureau every 4 months is usually sufficient to monitor for accuracy.

I believe that as long as you're checking within a 30-day period, it won't affect your score. The reporting agencies will see that you're inquiring about a mortgage, not new lines of credit cards or department store cards, etc. This works in your favor by demonstrating that you're shopping around for the best deal.

The bigger question was, who the heck was looking at your credit scores if it wasn't you? Unless you mean it was a bunch of banks looking.

You get one free credit report per year which can be done at https://www.annualcreditreport.com/cra/index.jsp

Don't go to freecreditreport.com, they make you enroll in something and if you don't cancel they start charging 20 bucks a month.

Credit checks aren't really "Dings" sometimes your credit card companies current or past maybe looking into your credit and sending you junk mail or possibly raising your interest rate on current cards. Also if you've worked with banks, car payments, etc in the past they will check your credit from time to time.