Will checking your own credit score lower it? No. Absolutely not. This myth about whether you should check credit score results stops millions of Australians from ever looking at their own credit file — and that’s exactly what creditors with dodgy listings want.

Soft Enquiry vs Hard Enquiry: The Critical Difference

Here’s the simple breakdown that most people don’t understand:

Soft enquiry = you checking your own file → zero impact on your score. None. Nada. You can check it every day if you want and nothing happens.

Hard enquiry = a lender checking your file when you apply for credit → small, temporary impact on your score. Multiple hard enquiries in a short period can add up.

You checking your own file? That’s always a soft enquiry. It has absolutely no effect on your credit score. The credit bureaus themselves confirm this.

Why You SHOULD Check Your Credit File Today

There might be errors on your credit file right now that you don’t know about: defaults that shouldn’t be there, debts that aren’t yours, incorrect amounts, or listings from creditors who didn’t follow the proper process.

The only people who benefit from you not checking your file are the ones who may have listed information incorrectly. The Office of the Australian Information Commissioner (OAIC) mandates strict rules about how credit information must be listed — and creditors frequently cut corners.

Check your credit file today — it’s completely safe and won’t affect your score at all. If you find defaults, incorrect listings, or anything that doesn’t look right, MyCRA Lawyers has been finding and removing invalid defaults for 16 years with a 91.6% success rate.