How much does a credit score decrease when it is checked?

Checking your own credit score does not decrease it. When you check your own score, it is considered a soft inquiry, which has no impact on your credit health. However, a hard inquiry, which occurs when a lender reviews your credit report for a loan or credit card application, may cause a temporary dip of a few points. Regularly monitoring your credit through official bureau websites or banking apps is a healthy financial habit and helps ensure your record is accurate.