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Does ordering my Experian Credit Score damage my credit rating?

 

Dear James,

 

Does calculating my score regularly affect my score and make it go down?

            

 

Miranda, Epping

 

Dear Miranda,

This is a common worry that I’m happy to clarify. Checking your own credit report does not affect credit scoring in any way. There are lots of different types of search footprint and they are clearly identified on your credit report. Importantly, the only type that can affect credit scoring is the one created when you apply for credit. Footprints that result from you checking your own report and/or score, applying for a quote or having your identity checked simply don’t count. I hope that puts your mind at rest. You can read our previous searches fact sheet for more advice about search footprints.

 

James Sign

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