08/25/2026
The lie was #3: "Checking your own credit score can lower it."
Nope! Checking your own score is called a "soft inquiry" β it has zero effect on your credit. It's only hard inquiries (like when a lender checks it for a loan or credit card application) that can cause a small, temporary dip.
And in case you were wondering about the other two β both true! A credit score really can affect whether you get approved for an apartment, and yes, you typically need some form of credit activity (a starter card, becoming an authorized user, etc.) to start building one in the first place.
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