Since credit inquiries account for only 10% of your overall credit score, and only appear as “soft inquiry” to your credit report, it can be tempting to check often. However, it might not be as harmless of a practice as you’ve been led to believe.

Take control of your debts. If you already feel burdened by debt, checking your credit report may cause you anxiety. You’re not alone. Ignoring or denying the reality of your debt is a common story.

According to the economic report released at the end of 2014 by the National Small Business Association, at least 60 percent of small business owners admit to being greatly impacted by the so-called “Great Recession” of 2008. Many of those small business owners also acknowledged using credit cards to finance their business needs.

In business, it’s often said that cash flow keeps the doors open. Businesses need cash, however they get it, to pay the bills. Once the cash flow stops, companies go bankrupt.