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Getting reports from a credit monitoring service won't hurt your credit scores

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Topics addressed on March 4, 2009:

Getting reports from a credit monitoring service won't hurt your credit scores

Dear Max,

I've heard that subscribing to a credit service that checks my credit daily or weekly can negatively impact my credit score. Can you tell me if having these non-agency credit monitoring agencies can put me in any jeopardy?

- LCI

Dear LCI,

Inquiries for credit monitoring purposes will not affect your credit scores or lending decisions. When credit monitoring services review your credit report a “soft” inquiry is added to your credit report.

Such inquiries are not shared with lenders and do not affect your credit scores. They only appear on your credit report when you get it through the credit monitoring service to which you subscribe, or when you request your report directly from the credit reporting company.

The credit monitoring service inquiries are the same as if you were asking for your own report, so you don’t need to worry about them preventing you from getting credit.

Thanks for asking.

Credit Reporting

Improve your credit by understanding basic consumer credit information: what’s in a credit report, how to check it and how often you should review it.
Credit Scores

What are credit scores, and how are they calculated? Get the answers to your credit score questions.
Preventing Fraud

Learn the warning signs of credit fraud, and get the credit information you need to protect yourself. Are you already a victim? Experian can help.
Life Events and Credit

Find out how life events affect your credit and how to build good credit for the major purchases in your life.
Credit Advice

Ask Experian

Get credit information on the hottest topics from Experian’s team.
Preapproved Credit Offers

What’s in a credit report, how can you check it and how often should you review it? Make sure your credit information is accurate and check your Experian, Equifax and TransUnion reports side-by-side with Experian’s 3 Bureau Online Credit Report.
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