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There are only certain factors that can affect your credit score.Some of those factors are your payment history, credit utilization rate, credit age, account types, and the amount of credit inquiries you have on your account.You do a free credit check online as many times as you like (at a cost if done more than once monthly) and it will not affect your credit standing.If you plan on applying for a loan, then you are saying that the lender can “check my credit” to see if you can be approved.Due to this fact, you may want to consider tracking your credit score over longer periods of time.While the fact that your credit score hasn’t moved in a few months might seem concerning, it will likely seem less so in the context of a sixty-point improvement over an entire year.
You can do a free credit check once a month with a basic account or get daily free credit checks with a premium account.Specifically, bad credit ranges from 300 to 629, fair credit ranges from 630 to 689, good credit ranges from 690 to 719, and finally, excellent credit which ranges from 720 and to 850.Other popular credit score range formulas exist, such as the Vantage Score, which is what Trans Union, our credit score provider uses. Checking your credit score with Credit Sesame is easy and can be done every month to see how your credit is performing.Due to these factors, opening a new account is likely to drop your credit score in the short term.However, as you begin to diligently pay off your bills, the additional on-time payments, the higher number of total accounts and your now-growing age of credit history will likely outweigh the initial downsides, and your score can benefit in the long term.
This type of inquiry will affect your credit score.