Exercise 2: Checking Your Own Score Doesn't Damage It — Possible Solution
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This belief incorrectly treats every credit check as the same kind of
event, but the chapter's own real distinction shows checking your own
score is genuinely different from applying for credit. Checking your
own score is a soft search - it isn't visible to other lenders and has
no effect on the score itself, regardless of how often it's done. A
hard search only happens when a real credit application is made (a
loan, a credit card, a mortgage), and it's specifically multiple hard
searches close together that can look risky to a lender.

The person avoiding checking their own score is protecting against a
real risk that doesn't actually exist for that specific action - since
a soft search carries no consequence at all, there's no genuine
downside to checking as often as they like. The real behavior worth
being cautious about is applying for several different credit products
in a short window, which is an entirely separate action from simply
looking at your own score.

ANSWER: This belief is inaccurate because checking your own score is a
soft search, which has no effect on the score at all and isn't visible
to other lenders, regardless of frequency. The real risk the person
should actually be cautious about is applying for multiple credit
products in a short period - genuine hard searches - not the act of
checking their own score, which carries no consequence.

WHY THIS WORKS AS AN ANSWER
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This correctly applies the chapter's own soft-search-vs-hard-search
distinction to directly refute the specific belief described, rather
than treating "checking your credit" as one undifferentiated action.