Does Chase use Southwest?

Written by Admin | Last Updated: July 2026

Checking your own FICO score does not hurt your credit, regardless of the bank you use to access it, such as Bank of America. When you check your own score, it is classified as a "soft inquiry," which has no impact on your credit rating. Credit scores are only negatively impacted by "hard inquiries," which typically occur when you formally apply for a new loan or credit product and a lender reviews your history as part of the approval process.

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