How long do you have to wait between credit checks?

There is no defined time period to wait between credit score checks. You can check your own credit score as often as you like. This is called a soft inquiry and it does not affect your score in any way.

When lenders check your credit because you have applied for a loan or credit card then it is a hard inquiry. Too many hard checks in a short period can lower your score slightly.
That’s why it’s smart to space out your credit applications.

Here are some other key aspects to remember:

• Checking your own score is safe and has no impact.
• Lenders’ checks (hard inquiries) should be spaced out.
• The Reserve Bank of India (RBI) rules ensure credit updates every 15 days.
• Review your report before applying for any new credit.
• Fix mistakes quickly to keep your profile healthy.

Responsible checking and careful timing of applications help protect your score and improve your access to credit.