no, cause u are looking at your own report..

yes- but only a few points.
Do you want to purchase a home? It would be worth it at that point. Keep paying off your cards to increase your score. You want to shoot for 680 and above for lower interest rates and lower insurance payments. You can also call your car insurance company. They give lower rates for better scores. They would know.

No requesting a credit report does not affect your credit ratings….you could request it every week if you wanted, it does not show up to creditors looking up your files either only you can see how many times you requested.