Does Checking CIBIL Score Reduce Points?

If you have a history of constant credit borrowing, then checking your CIBIL score should be a regular part of your financial routine. In this article, we will discuss the impact of regular credit score checks.

Does Checking CIBIL Score Reduce It?

Every time your credit score is checked, it is reported in your credit information report. 

Inquiries about your credit score are classified into two types: soft inquiries and hard inquiries. The type of credit inquiry is determined by who is looking at your credit report and why. 

Soft inquiries do not affect your credit score, but hard inquiries can lower it.

What is Soft Inquiry

When you check your credit score using the official CIBIL website or other applications, it is called a soft query. It does not affect your credit score in any way, so you can keep track of your credit activities by regularly going through your credit report.

Soft queries do not have any impact on the CIBIL score. 

What is Hard Inquiry

In order to approve loans and credit cards, lenders and credit card companies check your CIBIL score. This is called a hard inquiry. 

Hard inquiries can temporarily lower a customer's CIBIL score by a few points.

In case a customer applies for multiple credit cards or loans in a short period of time, the hard inquiries conducted can cause significant damage to the customer’s CIBIL score. 

This will lead to the rejection of the loan and the customer has to wait for a few months before applying for new credit. 

Importance Of Checking Your CIBIL Score

As a credit user, it is important to understand how to check your credit score. Checking your CIBIL score regularly will help you understand what factors go into your credit score.

It's a common misconception that checking CIBIL scores will reduce points. As a result, most avoid checking their credit report and score frequently. This results in lower credit scores and a diminished sense of financial security.

It is crucial to regularly check your credit report and credit score to spot any possible errors and make sure your score is in line with your expectations.

How Often Should You Check Your Credit Score?

You can check your CIBIL score as many times and as frequently as you want since soft inquiries have no impact on your score. In fact, it helps you be aware of the type of credit you are eligible for.

In case you are looking to avail a loan or a credit card, check your credit score a few months prior to ensure you secure an easy approval. You can also take the necessary steps to increase your score to be eligible for the loan amount you desire.


Checking your CIBIL score regularly does not reduce your credit points. You must check your credit score before seeking new credit as it will help you grow your credit score over time. 

Ensure you have the optimum score for the credit approval and avoid having your application rejected by creditors.

Does Checking CIBIL Score Reduce It - FAQs

No. If you check your CIBIL score regularly, it will not reduce.

You can check your CIBIL score as per your requirement. It does not negatively affect your score in any manner.

Yes. Irrespective of your credit requirement, you must adopt the habit of checking your CIBIL score regularly (once in 6 months) to ensure there are no discrepancies in the credit report.

Yes. In order to approve a loan or a credit card, banks conduct a hard inquiry that involves checking the applicant’s credit score and history. 

The best way to minimize hard inquiries is to avoid too many credit applications. 


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