People get confused about how often they should check their credit scores. Checking your credit on your own or initiated by others, known as a soft credit check, does not affect your credit score. A hard credit check when applying for a new line of credit can affect your score. This makes it acceptable for you to check your soft credit score often, and it is suggested to maintain your credit best. Too many hard credit checks will lower your rating if done too often. Your credit rating updates every 30-45 days, and you may not always see changes.