Will checking my credit score via credit karma show up in my credit report and will this negatively affect my score?

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Using Credit Karma will NOT lower your credit score. This is a common misconception.

This misnomer is perpetuated by the fact that applying for credit lowers your credit score. When you apply for credit, the lender will do a hard credit inquiry. This type of inquiry does lower your credit score. When you use Credit Karma, we use a soft credit inquiry which does not lower your credit score. Some consumers don't know the difference and assume any credit inquiry will lower your score.

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(8 Total Comments)

I have around $150,000 debts between my personal credit and my business credit (that I close around 6 months ago). I'm not working right now, living with unemployment check. Single mother and no child support (mi ex owns me around $90,000). My credit score is 540 and I can't find any company that I can take a personal loan because my credit score is too low. I was thinking file for bankruptcy in that way I can wipe out all my debts and start fresh, I think in this point with few judgments, credit cards charge off, a collections agencies in my credit report I don't how worst can get. Do you think that will be a good idea to file for bunkruptcy or just deal with settlement. How my credit score will be improve or no with a bankruptcy. Thanks for your help."

butterfly40 at 12:11 pm Jan 23

how many points does your credit score goes up if u make a payment on a credit card on time"

mwill666 at 8:07 pm Aug 23

Because the difference are based on your credit history, it can vary drastically from person to person. To get an strong estimate, you can use our credit score simulator. It will give you simulations based on your specific credit report.

CK Moderator

My score went down! I paid off all collections, late pays, & made several corrections. I check my score today via CK, and guess what.......score went down!!!!!

I know there are many factors that go into the scores, but please, give me a break!"

angdollarhid at 6:58 am Aug 21

Couple of things to note. First, it usually take about 30 days for payments to appear on your credit score. Secondly, sometimes paying off collections can hurt your score short term. The reason is that the update on your collections accounts can make it appear as recent. Keep in mind that is only a short term decline and your score should improve long term.

CK Moderator

I update my score in CK every few days.. will it hurt something..."

nabaraj at 12:05 am Aug 11

No it won't hurt anything. But every few days is not necessary since most lenders only report once every 30 days. Two or three times per month is plenty.

CK Moderator

I have paid off most of the negative items on my credit report but my score is still very low. How long before i see any type of change in my score? Do i have to pay EVERYTHING on my credit to make it go up? Times are hard but i'm trying. what can i do?"

riosc212 at 6:23 am Aug 6

with people who have a credit score of 559 or lower is there a way to get a personal loan(not a payday advance) to consolidate all my payments without doing debt consolidation?"

savyalsmom at 10:08 am Jul 31

how do i get my credit from all theree bureaus so i can see with my own eyes whats going on and be able to dispute if i have to."

MyGodis1 at 7:03 pm Jul 10

AnnualCreditReport.com

CK Moderator

i have been paying my bills on time. i have updated my credit score on credit karma and my score went from 568 to 543 in 6 days. i thought checking on credit karma would not affect my score."

rhopesheriff at 2:45 pm Jul 10

Using Credit Karma does not lower your credit score. There are dozens of factors why your credit score could be lower. Try our credit report card to track more specifics on your credit report.

CK Moderator