<prompt> Human: This infers that you would normally be penalized for being conscientious of your rpersonalfinance. Edit: poorly worded question. It has to do with why they specify that it doesnt affect your score despite soft pulls not affecting it anyway.  <response>: Its not so much that theyre boasting as theyre making sure people understand. Sooo many people know that a credit check can lower your score, but thats all they know. In fact, theres a surprising number of people who post here in PF asking if checking their own credit will lower their score. Since not everyone knows knows there are different kinds of pulls, Credit Karma, pre-qual sites, and about a million others make that clear up front. 