Does checking my credit report hurt my credit score?

Checking your credit report on a regular basis does not hurt your credit score. This is considered a "soft inquiry" and has no impact on your credit standing. Soft inquiries occur when you personally request a copy of your credit report or when organizations perform a background check for pre-approved offers. It demonstrates responsible credit behavior by staying informed about your credit status and monitoring for any inaccuracies or suspicious activities. On the other hand, "hard inquiries" made by potential lenders when you apply for credit can slightly lower your score. However, the impact is generally minimal and temporary. It is advisable to review your credit report regularly to ensure accuracy, identify potential issues early, and maintain good financial health.