Not at all! Soft inquiries (when you check your score yourself using a company such as Borrowell) don't affect your credit score. When we do a soft check, it allows us to provide you with your free credit score and report. Soft inquiries allow you to monitor your credit for fraud/identity theft, and your overall credit without any impact to your credit. Only hard credit inquiries, done by lenders or banks, are a formal credit inquiry and will slightly negatively affect your score. Read more on our blog: What's the difference between hard and soft credit inquiries.