Many people often think checking your credit score could negatively affect your score or hamper your chance of getting a new loan. This statement is totally false as long as you aquire a valid free credit score. Getting a copy of your own free credit score will neither help nor hurt your score. This "self-disclosure" is seen as a non-event since you’re querying for your own personal knowledge and not to lend money to someone else conducting a loan request. This makes this type of request a non-official inquiry. Furthermore, you could check your report every couple days and it wouldn’t change your score any. The frequency with which you check your score is irrelevant. Along with self-inquiries there are others that also will not hurt your credit report. One of these examples is an account review by current creditors. Often creditors will pull your file a few times per year to insure that you're maintaining a similar credit risk or improving your credit. One other report query that won’t damage your credit score is a promotional style inquiry. These are queries requested by corporations that have purchased your personal information without your knowledge and wish to pull your credit score to consider soliciting you for a credit offer or other advertisement.
     Since a “self inquiry” does not harm your credit score, it is a very good idea to perform one every month or every couple months. Checking your credit score every month or so will let you see how your score is changing and adjust your lifestyle as needed. It will also allow you check for any inconsistencies within the credit report such as displaying who has recently queried your report and if any collections are currently active. Seeing collections early allows you to react appropriately and pay them before they become a serious detriment to your score.
     Since there is no downside to checking your score periodically, it is definitely something that you should consider doing. Many companies offer very affordable monthly plan allowing you to monitor your credit score and help you with correcting problems and building a solid credit score.

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