Does using MyFICO affect my credit score?

Accessing one's credit information through MyFICO does not affect one's credit score because when one checks their own credit scores or reports, it is considered a soft inquiry. Soft inquiries, as opposed to hard inquiries that occur when a lender reviews one's credit because of a new credit application, do not impact credit scores. Thus, utilizing MyFICO to monitor credit is a responsible practice that can help individuals understand their credit standing and track any changes or potential issues without the concern of harming their score. This allows individuals to be proactive about their financial health without any negative repercussions on their credit rating.