- How It Works|
- FAQs|
- Help
- Log In to your account |
- Sign up now for free!
Credit Advice
Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!
Question
Does checking my credit score on Credit Karma count against me as an inquiry each time I update?
Asked by
DuelleMarley
2 years ago
Flag this Question
Best Response
What’s been voted most helpful!
This is a very common question and creates confusion for a lot of people. There are two types of inquires used by the credit bureaus which are often misunderstood.
Hard Inquiry:
Hard inquiries are created when a consumer applies for credit (auto loans, credit cards, mortgages, student loans, etc). Hard inquires will lower your credit score because lenders will view them as a sign of someone in need of credit and therefore a greater risk. Multiple hard inquires over a short period of time can be bad for one's credit score. However, hard inquires are not inherently bad. Consumers should be aware of them and limit the number of hard inquires by only applying for appropriate and useful loan products.
Soft Inquiry:
Soft inquires are the other type of inquires used by the credit bureaus. Soft inquires are used when the consumer requests the credit score on their own behalf. Credit Karma uses soft inquires whenever a user checks their credit score. Since these credit scores are not used in the application for credit, there is NO negative impact on the users credit score from checking their credit score on Credit Karma.
chuyskywalke 1 year ago
4 responses
- Prev
- 1
Reply To This Question
The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.
Let the community lend a hand!
3 Most Recent Questions in Credit Karma
How do I separate my ex husband and my credit because it shows we are still connected on some loans
0 Responses
Asked by kelley17
under Credit Karma
I have a fair credit score and I need to transfer an account balance for $5000. What can I do?
0 Responses
Asked by lsat
under Credit Karma
Why does my TransUnion report not match my CK report?
0 Responses
Asked by angelb352
under Credit Karma
Credit Card Offers Just For You
These are the most popular credit card offers from Credit Karma members with credit similar to yours.
Credit One Bank® Visa Platinum Card
- Pre-Qualify for a Visa credit card without affecting your credit score
- Get a starting credit line up to $1,500
- No enrollment fee
Capital One® Secured Mastercard®
- Get the credit you need with no processing fees or application fees
- Automatic reporting to the 3 major credit bureaus
- Track credit with access to your credit score and other tools
Copyright© 2007-2012 Credit Karma™, Inc. Credit Karma is a registered trademark of Credit Karma, Inc. All Rights Reserved. Product name, logo, brands, and other trademarks featured or referred to within Credit Karma are the property of their respective trademark holders. This site may be compensated through third party advertisers.
Is there any way you can get rid of some of these hard inquires off your report?
classiiqt 2 years ago
If they are accurate, then no. But hard inquiries only last 2 years.
CK Moderator
How can I tell who has checked my credit?
Harlie69 2 years ago
You need to check your detailed credit report from one of the credit bureaus.
CK Moderator
According to the credit karma faq, the answer is no.
AppleRules 1 year ago
This is a very common question and creates confusion for a lot of people. There are two types of inquires used by the credit bureaus which are often misunderstood.
Hard Inquiry:
Hard inquiries are created when a consumer applies for credit (auto loans, credit cards, mortgages, student loans, etc). Hard inquires will lower your credit score because lenders will view them as a sign of someone in need of credit and therefore a greater risk. Multiple hard inquires over a short period of time can be bad for one's credit score. However, hard inquires are not inherently bad. Consumers should be aware of them and limit the number of hard inquires by only applying for appropriate and useful loan products.
Soft Inquiry:
Soft inquires are the other type of inquires used by the credit bureaus. Soft inquires are used when the consumer requests the credit score on their own behalf. Credit Karma uses soft inquires whenever a user checks their credit score. Since these credit scores are not used in the application for credit, there is NO negative impact on the users credit score from checking their credit score on Credit Karma.
chuyskywalke 1 year ago