[Halon]

I spoke with my loan agents about that actually, and she said the amount your score lowers when someone checks it is very small. It's when you have multiple people checking it, in a small period of time, is when you might actually notice. I had my credit report checked 3 times while I was looking for a home loan, by different agencies. That may have impacted my score a little. But checking it once a year, shouldn't noticably affect it. I usually check it once a year, to make sure I don't have any false accounts on mine.