Will checking your CIBIL report repeatedly hamper your score?

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Will checking your CIBIL report repeatedly hamper your score?

When you check your own CIBIL score, it is considered a “soft inquiry” and does not leave a negative impact on your credit score. However, if a lender or a credit card issuer requests CIBIL to check your credit report (usually when they are considering you for a loan or credit card), it is counted as a “hard inquiry”. Hard inquiries are recorded in the Enquiry Section of your credit report.Multiple hard inquiries, if done over a relatively short period of time, demonstrate what is called “credit hungry behaviour” and may hurt your credit score. But a soft inquiry, around once a year, is considered an important financial habit.


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