A new Consumer Reports investigation might have you thinking twice before clicking to get your score.

Payment history and credit utilization, or the ratio of credit being used compared to total credit available, are the two biggest factors in determining your credit score. The next factors that affect your credit score are length of credit history, new credit inquiries, and diversifying your credit with a mix of credit cards and loans. Too much new credit at one time can affect your credit score negatively by adding hard inquiries to your credit report. To give you an idea on how your credit score can impact a 30-year fixed mortgage on a $200,000 home—if your credit score is above 760, you’ll pay $996 a month. You can check out your credit score for free at Credit Karma, Credit Sesame, and www.credit.com.