diff --git a/builtin/fsck.c b/builtin/fsck.c
index 30a516da29..d87c28a1cc 100644
--- a/builtin/fsck.c
+++ b/builtin/fsck.c
@@ -835,6 +835,7 @@ int cmd_fsck(int argc, const char **argv, const char *prefix)
 		fsck_enable_object_names(&fsck_walk_options);
 
 	git_config(git_fsck_config, &fsck_obj_options);
+	prepare_repo_settings(the_repository);
 
 	if (connectivity_only) {
 		for_each_loose_object(mark_loose_for_connectivity, NULL, 0);
@@ -940,7 +941,7 @@ int cmd_fsck(int argc, const char **argv, const char *prefix)
 
 	check_connectivity();
 
-	if (!git_config_get_bool("core.commitgraph", &i) && i) {
+	if (the_repository->settings.core_commit_graph) {
 		struct child_process commit_graph_verify = CHILD_PROCESS_INIT;
 		const char *verify_argv[] = { "commit-graph", "verify", NULL, NULL, NULL };
 
@@ -956,7 +957,7 @@ int cmd_fsck(int argc, const char **argv, const char *prefix)
 		}
 	}
 
-	if (!git_config_get_bool("core.multipackindex", &i) && i) {
+	if (the_repository->settings.core_multi_pack_index) {
 		struct child_process midx_verify = CHILD_PROCESS_INIT;
 		const char *midx_argv[] = { "multi-pack-index", "verify", NULL, NULL, NULL };
 
diff --git a/builtin/gc.c b/builtin/gc.c
index 6b3de3dd51..2670931160 100644
--- a/builtin/gc.c
+++ b/builtin/gc.c
@@ -1049,12 +1049,11 @@ static int maintenance_task_loose_objects(struct maintenance_run_opts *opts)
 static int incremental_repack_auto_condition(void)
 {
 	struct packed_git *p;
-	int enabled;
 	int incremental_repack_auto_limit = 10;
 	int count = 0;
 
-	if (git_config_get_bool("core.multiPackIndex", &enabled) ||
-	    !enabled)
+	prepare_repo_settings(the_repository);
+	if (!the_repository->settings.core_multi_pack_index)
 		return 0;
 
 	git_config_get_int("maintenance.incremental-repack.auto",
diff --git a/t/t0410-partial-clone.sh b/t/t0410-partial-clone.sh
index bba679685f..c76485b1b6 100755
--- a/t/t0410-partial-clone.sh
+++ b/t/t0410-partial-clone.sh
@@ -6,6 +6,10 @@ test_description='partial clone'
 
 # missing promisor objects cause repacks which write bitmaps to fail
 GIT_TEST_MULTI_PACK_INDEX_WRITE_BITMAP=0
+# When enabled, some commands will write commit-graphs. This causes fsck
+# to fail when delete_object() is called because fsck will attempt to
+# verify the out-of-sync commit graph.
+GIT_TEST_COMMIT_GRAPH=0
 
 delete_object () {
 	rm $1/.git/objects/$(echo $2 | sed -e 's|^..|&/|')
@@ -322,7 +326,7 @@ test_expect_success 'rev-list stops traversal at missing and promised commit' '
 
 	git -C repo config core.repositoryformatversion 1 &&
 	git -C repo config extensions.partialclone "arbitrary string" &&
-	GIT_TEST_COMMIT_GRAPH=0 git -C repo -c core.commitGraph=false rev-list --exclude-promisor-objects --objects bar >out &&
+	git -C repo rev-list --exclude-promisor-objects --objects bar >out &&
 	grep $(git -C repo rev-parse bar) out &&
 	! grep $FOO out
 '
diff --git a/t/t5318-commit-graph.sh b/t/t5318-commit-graph.sh
index 84d122a7ae..f516fda7cc 100755
--- a/t/t5318-commit-graph.sh
+++ b/t/t5318-commit-graph.sh
@@ -694,12 +694,33 @@ test_expect_success 'detect incorrect chunk count' '
 		$GRAPH_CHUNK_LOOKUP_OFFSET
 '
 
-test_expect_success 'git fsck (checks commit-graph)' '
+test_expect_success 'git fsck (checks commit-graph when config set to true)' '
 	cd "$TRASH_DIRECTORY/full" &&
 	git fsck &&
 	corrupt_graph_and_verify $GRAPH_BYTE_FOOTER "\00" \
 		"incorrect checksum" &&
 	cp commit-graph-pre-write-test $objdir/info/commit-graph &&
+	test_must_fail git -c core.commitGraph=true fsck
+'
+
+test_expect_success 'git fsck (ignores commit-graph when config set to false)' '
+	cd "$TRASH_DIRECTORY/full" &&
+	git fsck &&
+	corrupt_graph_and_verify $GRAPH_BYTE_FOOTER "\00" \
+		"incorrect checksum" &&
+	cp commit-graph-pre-write-test $objdir/info/commit-graph &&
+	git -c core.commitGraph=false fsck
+'
+
+test_expect_success 'git fsck (checks commit-graph when config unset)' '
+	cd "$TRASH_DIRECTORY/full" &&
+	test_when_finished "git config core.commitGraph true" &&
+
+	git fsck &&
+	corrupt_graph_and_verify $GRAPH_BYTE_FOOTER "\00" \
+		"incorrect checksum" &&
+	test_unconfig core.commitGraph &&
+	cp commit-graph-pre-write-test $objdir/info/commit-graph &&
 	test_must_fail git fsck
 '
 
diff --git a/t/t5319-multi-pack-index.sh b/t/t5319-multi-pack-index.sh
index a3c72b68f7..3f69e43178 100755
--- a/t/t5319-multi-pack-index.sh
+++ b/t/t5319-multi-pack-index.sh
@@ -467,7 +467,10 @@ test_expect_success 'verify incorrect offset' '
 test_expect_success 'git-fsck incorrect offset' '
 	corrupt_midx_and_verify $MIDX_BYTE_OFFSET "\377" $objdir \
 		"incorrect object offset" \
-		"git -c core.multipackindex=true fsck"
+		"git -c core.multiPackIndex=true fsck" &&
+	test_unconfig core.multiPackIndex &&
+	test_must_fail git fsck &&
+	git -c core.multiPackIndex=false fsck
 '
 
 test_expect_success 'corrupt MIDX is not reused' '
diff --git a/t/t7900-maintenance.sh b/t/t7900-maintenance.sh
index 9b9f11a8e7..74aa638475 100755
--- a/t/t7900-maintenance.sh
+++ b/t/t7900-maintenance.sh
@@ -336,15 +336,15 @@ test_expect_success EXPENSIVE 'incremental-repack 2g limit' '
 		 --no-progress --batch-size=2147483647 <run-2g.txt
 '
 
-test_expect_success 'maintenance.incremental-repack.auto' '
+run_incremental_repack_and_verify () {
+	test_commit A &&
 	git repack -adk &&
-	git config core.multiPackIndex true &&
 	git multi-pack-index write &&
 	GIT_TRACE2_EVENT="$(pwd)/midx-init.txt" git \
 		-c maintenance.incremental-repack.auto=1 \
 		maintenance run --auto --task=incremental-repack 2>/dev/null &&
 	test_subcommand ! git multi-pack-index write --no-progress <midx-init.txt &&
-	test_commit A &&
+	test_commit B &&
 	git pack-objects --revs .git/objects/pack/pack <<-\EOF &&
 	HEAD
 	^HEAD~1
@@ -353,7 +353,7 @@ test_expect_success 'maintenance.incremental-repack.auto' '
 		-c maintenance.incremental-repack.auto=2 \
 		maintenance run --auto --task=incremental-repack 2>/dev/null &&
 	test_subcommand ! git multi-pack-index write --no-progress <trace-A &&
-	test_commit B &&
+	test_commit C &&
 	git pack-objects --revs .git/objects/pack/pack <<-\EOF &&
 	HEAD
 	^HEAD~1
@@ -362,6 +362,26 @@ test_expect_success 'maintenance.incremental-repack.auto' '
 		-c maintenance.incremental-repack.auto=2 \
 		maintenance run --auto --task=incremental-repack 2>/dev/null &&
 	test_subcommand git multi-pack-index write --no-progress <trace-B
+}
+
+test_expect_success 'maintenance.incremental-repack.auto' '
+	rm -rf incremental-repack-true &&
+	git init incremental-repack-true &&
+	(
+		cd incremental-repack-true &&
+		git config core.multiPackIndex true &&
+		run_incremental_repack_and_verify
+	)
+'
+
+test_expect_success 'maintenance.incremental-repack.auto (when config is unset)' '
+	rm -rf incremental-repack-unset &&
+	git init incremental-repack-unset &&
+	(
+		cd incremental-repack-unset &&
+		test_unconfig core.multiPackIndex &&
+		run_incremental_repack_and_verify
+	)
 '
 
 test_expect_success 'pack-refs task' '