There are a variety of ways to check your credit score without doing a hard credit check. Check with your banking institution or credit card company. A lot of them offer credit services that don’t negatively impact your credit. Many times, it’s in your account portal. You’re also allowed by law to get a copy of your credit report annually from all three credit agencies (Experian, Equifax and TransUnion) – once every 12 months. Want to know more about hard credit checks versus soft credit checks?