True or false: requesting your own credit report lowers your credit score.
False. Many people get this one wrong. There is a difference between checking your own credit and having a creditor check your credit. When you check your own report, it does not harm your credit score.
Making sure your credit report is accurate -- along with paying your bills on time and keeping credit card balances below 35% of their limits --will help you maintain a healthy credit profile.
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