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When you check your credit score for free with Credit Sesame it makes no impact on your credit score since it is a soft credit check, not a hard credit check.

When doing a soft credit check you are only pulling your credit score to view how you are performing, not because you are applying for a loan or other type of credit that you are hoping to get approved for.

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.

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.

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We’ll show you personalized, objective savings recommendations on home loans, credit cards, auto loans and more.

You can use our reports to determine the types of accounts you have open, your credit utilization, and many other important metrics that you need to know in order to understand where you stand on the credit range.

This will help you determine your financial health.

This type of inquiry will affect your credit score.

A Credit Privacy Number (CPN) is a 9 digit number that is free and legal to get depending on how you use it.

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