Does ClearScore affect credit score?

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Checking your credit score with ClearScore is super easy and won’t affect your score. They perform soft credit checks, which leave your credit untouched. Refreshing your score weekly using TransUnion’s secure methods, ClearScore is a reliable option for managing your credit profile.

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Credit Check Question

Does ClearScore affect credit score? Does using ClearScore to check my credit have any impact on my actual credit score?

From: Anonymous Question
Location: Winnipeg, Manitoba (MB)
Category: credit rebuilding

Credit Check Answer

Checking your credit score with ClearScore is a breeze and won’t mess with your financial profile at all. When you take a peek at your credit score and report, ClearScore runs soft credit checks, which are incredibly kind to your score—zero impact, seriously. These checks are like a quick hello that checks your identity without leaving any traces that could dip your score.

Plus, ClearScore gives your credit score a refresh every week, thanks to these soft checks from TransUnion. They use top-of-the-line bank-grade security to keep your info locked down. Unlike those nerve-wracking hard inquiries that come into play when you’re applying for new credit—which can give your score a nudge downwards—ClearScore sticks to just these harmless soft checks. This makes it a safer bet for managing your credit profile without any downside. To better understand how checking your score can impact your financial planning, discover more about credit rebuilding.

From: Insider Adam

Office of the Superintendent of Bankruptcy (OSB) Answer

ClearScore does not affect your credit score. Using ClearScore to check your credit is considered a “soft inquiry,” which does not impact your actual credit score. For specifics on credit inquiries and their categorization, relevant details can be found in the Bank Act (RSC 1985, c 2 (5th Supp.), specifically under sections pertaining to consumer protection and credit reporting.

From: OSB Helper

Related Questions to Clearscore

Here are the top 5 most frequently asked questions related to the impact of ClearScore on credit scores, based on the provided sources and general online trends:

1. Does using ClearScore to check my credit score affect my credit score?

No, using ClearScore to check your credit score does not impact your credit score.

2. Is ClearScore safe to use and secure for my financial information?

Yes, ClearScore is safe to use as it utilizes bank-level security and 256-bit encryption.

3. How often does ClearScore update my credit score?

ClearScore updates your credit score weekly.

4. Does ClearScore pull my credit file directly from the credit reporting agencies?

Yes, ClearScore pulls your credit file directly from TransUnion.

5. Is using ClearScore free, and are there any premium features?

Yes, ClearScore is free for all customers, forever, with no paid or premium features.

If you have a question about debt see our debt questions or ask your own debt related question.

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