Q: I was told that your credit score can suffer if your credit report is checked too often a 12-month period of time. How credit monitoring affects your credit score
A: Good news first-all, you can check your own score and / or a credit report as many times as you want without it affecting your credit score. Checking your own score / credit report is considered an investigation "soft" and will not affect your credit score in any way. It will also not appear on credit reports given to third parties.
In addition, subscribing to a legitimate credit monitoring service will not hurt your credit score. Indeed, when you subscribe to a credit monitoring service that you allow them to act on your behalf to monitor your credit reports. This means they can also check your scores and credit reports without affecting your score. If you are in the market for a credit monitoring service, take a look at our top-rated Identity Guard Total protection® and PrivacyGuard.