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I would like to add this point, as I was not sure about it myself.
You can check your own report as many times as you want and that will not hurt your score or even show up. Also any accounts you currently have open can also check your report monthy without hurting your credit.
The initial inquries by companies are what hurts your score. Also i believe you have 7 days to "shop around" where you can have companies check your score and only get dinged once. Say you are shoping for Mortg. rates as an example.
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