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Do credit inquiries affect my credit score? Not all credit inquiries (requests to check your credit report) affect your credit score. There are two different types of credit inquiries (sometimes referred to as pulls): hard and soft. Soft inquiries are not associated with applications for credit and do not affect your credit score. On the other hand, hard inquiries are associated with applications for credit and may affect your score. In general, you may see 3-5 point decrease in your score after the inquiry happens.
Because they are only shown to you, they do not affect credit scores in any way. Why Inquiries Have an Impact on Credit Scores. The primary reason hard inquiries influence credit scores is that they indicate you may have acquired new debt that does not yet appear on your report. Additionally, multiple applications within a short period of time may be a sign that you are having financial difficulties and are seeking credit to stay afloat, or to live beyond your means. Lenders want to be sure you are not in danger of over extending yourself before agreeing to extend additional credit. The Impact of an Inquiry Depends ...