 TITLE: Can Someone Run a Credit Check Without My Permission? CONTENT: How Does a Credit Check Affect My Credit Score?\n-----------------------------------------------\nChecking your own credit does not affect your credit score. Pulling your own reports is considered a soft inquiry and will not impact your score. Hard inquiries—or ones that are triggered by a new credit application—remain in your credit reports for up to two years and have the potential to impact your score. The effect they have on your score will depend on other features of your credit, but typically the impact, if any, will disappear or diminish within one year. END