How do i check my credit score without a credit card?
annualcreditreport.com is the first place to go ---no cost--no credit card necessary
If you want to check your score more than once a year go to CreditKarma.com - they allow you to pull your score whenever you want without a credit card or fee.
Your credit score is only affected when you volunteer the credit check. When you apply for a credit card, the credit check will show up on your score. However, if you get a pre-approved credit card, the company that sent you the card has already done the check, so that will not show up and affect your score.
Yes, canceling a credit card always reduces your credit score. It never improves your credit score if you cancel a credit card account. If you have had the card for more than 2 years, or if you have a substantial amount of available credit at the time that you close the account, then the reduction in your credit score is even greater. However, if it makes sense to you to close the card, and you…