does it effect my credit score if check credit report twice a month?

Ambrose Mumma: No. Requesting a credit report will NOT affect your credit. You have the right to look at your credit report without it affecting your credit or score. When you request your credit report it's called a "consumer pull" and has no affect on your credit. The only time when requesting a credit report can affect your credit is when you ask a possible creditor to inquire about your credit. This is because it implies that you're possibly opening a new line of credit.

Jannette Kotz: there is no effect on your score if you check your own score.

Enriqueta Steffen: Only hard inquiries (when you apply for credit) impact your score. Checking your own credit is a soft inquiry and has no impact.But why are you checking your credit so frequently? You won't see changes that quickly. Your credit history and score build over time -- years, not days.It sounds like you have signed up for some kind of credit monitoring service. Save the money and cancel the servi! ce. The score you're getting is probably a Fakko anyway. If you pay all your bills on time and check your credit report annually for accuracy (AnnualCreditReport.com), your score will take care of itself....Show more