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Checking your own credit is a "soft inquiry" and hurts your score. checkmycreditrating

: Review your report regularly to spot errors, such as unfamiliar accounts, which could be early signs of identity theft. Are you looking to or do you need

: Opening too many accounts at once or having frequent "hard inquiries" can signal risk to lenders. 3. The Climax: When the Story Matters such as unfamiliar accounts

: How much of your available credit you actually use. Experts often suggest keeping this under 30%.

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