If you check your own credit does not make any bearing on your score if you apply for a loan and they check it it remains on there for 2 years

Inquiries stay on your report up to 2 years NOT 4.

Checking your own credit does NOT affect your score.

Its hurts your credit when you check it. The recommended is once every 6 months.

They will stay on for at least a year, and/or up to 4 years. Depending on when and where the application was filed. You can request the credit agencys to remove them after one year has past but they might take a little time to complete your request.
Hope it helps

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Here you can get your 3-in-1 free credit report and credit score rating

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Consumer debt is one area a growing number of men and women struggle with and if you allow it to get beyond control it will consume both you and your existence. Debt settlement works and works well. Debt Settlement negotiates down the whole amount owed, while the client saves up enough money to pay that lump sum settlement.These services entail deliberately ceasing payments to all your creditors to force your accounts into default to attempt negotiations at a lower price. The monthly premiums you are making go towards establishing a settlement account and to pay the firm’s costs. They helped me to save well over 50% . Good luck paying off your debt and don’t let it consume you.

if you are looking for the free credit score usa national site, check out this site

Here you can get your 3-in-1 free credit report and credit score rating

if you are looking for the free credit score usa national site, check out this site

Here you can get your 3-in-1 free credit report and credit score rating

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You have lots of options and are negotiating from a position of power since you have the money. I would be curious to know how much debt we are talking about though. Let’s assume it is 10,000. You could pay it off in full and, if the debts are more than 2 years old, watch your score go down as you are now left with “current paid collections” on your report. You could try simple credit repair; watch how many accounts it bumps off for you, then settle out the remaining account that are from the last 2 years. I think this is the best course of action. There are lots of things you could do beyond that to raise your score, like those authorized user tradeline programs. Good luck.