<prompt> Human: Is there a benefit to the bank to have consumers credit scores cloaked in mystery like this? Is it because they think people will be more responsible if they realize how bad their credit score looks which would mean less in interest for them? Or there something else that Im not seeing?Online banking is pretty much the norm these days, and I can see every single transaction I make on my banks app or via things like Mint. Why are you penalized for checking too often or for having your credit run by other people?Assistant: What? You dont get penalized for checking your credit score. I have my credit scores monitored daily. It just costs money and most people only want their free yearly report.Youre referring to hard inquiries by lenders and other credit issuers that impact your score when you apply for loans, credit cards, etc.Human: So why does that happen? Why are we penalized?  <response>: Because inquiries mean you are shopping for credit, which in the short-term could mean you are looking for money that you dont have. Only over time through consistent payment history can you show that youre able to manage the credit you acquired. 