Will checking my credit hurt my credit score? May 26, 2020 23:25 Checking your own credit report is considered a soft inquiry, which does not impact your credit score. Related articles How long does it take for my score to be updated after I make changes? How secure is it to check my credit score online? How does shopping around for rates impact my credit score? I was declined because my credit score was too low. What is the minimum score? What is considered a good or bad score?