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on 4/10/15No, it does not. I have the app and I am constantly checking My score
It does not affect your score.
I believe it would not. I have been using it for over a year and i love it. It's absolutely free; No credit card info absolutely needed. It's gives you detail info about your credit history although the recommendations never worked for me. Still a bird in hand is better than 2 in the bush. Use it and never feel guilty.