Hard Inquiries vs. Soft Inquiries: Understanding Credit Score Impact
Hard inquiries vs. soft inquiries: understanding credit score impact. The former knocks off a few points from your credit score, while the latter has no impact. Here’s why.
Lenders, landlords, employers, and other businesses with the proper authorization can request to access your credit report through hard and soft inquiries, also known as credit checks. Your credit report will display queries that are both soft and hard. However, your credit score is only impacted by one kind of inquiry.
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