Does checking your credit report once a year through all three credit agencies lower your credit score?

No and by law you can do it once a year for free at Annualcreditreport.com

Answer: {| |- | No. Requesting a credit report will NOT affect your credit. You have the right to look at your credit report without it affecting your credit or score. When you request your credit report it's called a "consumer pull" and has no affect on your credit. The only time when requesting a credit report can affect your credit is when you ask a possible creditor to inquire about your credit. This is because it implies that you're possibly opening a new line of credit.

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