If you’ve recently made the commitment to get your financial life back on track, chances are you’re also trying to slim down your wallet and cut back on credit card use. Beyond the oft chided “if you can’t pay for it in cash, you can’t afford it” line of thinking, resisting the temptation to “charge it” can be a tough fight.

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.