<prompt> Human: I have never requested a credit score report before, but I have heard you get penalized if you check it too often. How often are you actually allowed to check and what impact if any does this have?  <response>: You do not get penalised for reviewing your own credit. Those are soft pulls and have no impact.If your credit is pulled by a lender in the pursuit of new credit, those are typically hard pulls inquiries and those can temporarily lower your credit score. 