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Will using Credit Karma lower my credit score?

The short answer is no, using Credit Karma does not lower your credit scores.

Credit Karma requests your credit report information on your behalf. This is known as a soft inquiry, and it won’t impact your scores.

Hard inquiries, on the other hand, can influence your credit scores. They’re typically placed on your reports when you apply for a new line of credit. So if you apply for a credit card or loan through Credit Karma or elsewhere, you will receive a hard inquiry.

Here’s more information about the differences between hard and soft inquiries. 

 

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