• Skip to primary navigation
  • Skip to main content
  • Skip to footer

FinanceJar

FinanceJar

Take the next step on your journey

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

Home Credit Reports What Is a Hard Inquiry and How Does It Impact Your Credit?

What Is a Hard Inquiry and How Does It Impact Your Credit?

Credit report showing a hard inquiry

At a glance

A hard inquiry appears on your credit report when you apply for new credit. It temporarily lowers your credit score. Read on to learn more about what hard inquiries are and how many points they take off your credit score.

Instantly access your report and discover your credit score from all three credit bureaus.

Checking your score won't hurt your credit.

Written by Samuel Osbourne

Reviewed by Victoria Scanlon and Robert Jellison

Nov 25, 2021

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Table of Contents

  1. What is a hard inquiry?
  2. What’s the difference between hard and soft inquiries?
  3. How many points do hard inquiries take off your credit score?
  4. How long do hard inquiries stay on your credit report?
  5. How to avoid triggering too many hard inquiries

What is a hard inquiry?

When you apply for credit, your prospective lender will usually ask to view your credit history, which will trigger a hard inquiry (also known as a “hard pull” or a “hard credit check”).

Hard inquiries temporarily lower your credit score by a few points, and they’re visible to anyone who accesses your credit report. Most lenders won’t be willing to give you credit without conducting a hard credit check to determine how likely you are to repay your debts.

Applications for the following types of credit will typically trigger a hard inquiry:

  • Installment loans (like car loans, student loans, personal loans, and mortgages)
  • Revolving credit accounts, such as credit cards and retail cards
  • Open credit, such as phone, internet, or utility contracts

Rental applications can also trigger a hard inquiry, but this depends on the type of credit check your prospective landlord conducts. Some landlords conduct a different type of check, known as a “soft inquiry,” instead.

What’s the difference between hard and soft inquiries?

As mentioned, there are two types of inquiries that can appear on your credit report: hard and soft. Soft credit checks have a few notable differences from hard inquiries:

  • They’re unrelated to applications for credit (they’re often conducted by landlords and potential employers instead of creditors)
  • They don’t hurt your credit score
  • Anyone can run a soft credit check without asking your permission or notifying you
  • Only you can see them on your credit report

Comparing hard and soft inquiries

The graphic below illustrates the main differences between hard inquiries and soft inquiries.

Comparison table showing hard inquiries vs. soft inquiries

Why the credit bureaus separate hard and soft inquiries

The credit bureaus and credit scoring models distinguish between these two types of inquiries for a simple reason: hard inquiries show that you’re actively looking for new credit, which is a potential indicator of financial distress and may indicate that you’re a higher-risk borrower. Soft inquiries, on the other hand, have nothing to do with your desire to open new lines of credit.

For example, you may get a soft inquiry if:

  • You apply for a job and your prospective employer runs a background check on you as part of their employee screening process.
  • You apply for insurance or if a credit card issuer checks your credit to preapprove you for a card. (Preapproval checks don’t trigger hard inquiries because you don’t actively solicit them.)
  • You check your own credit, which won’t hurt your credit score.

How many points do hard inquiries take off your credit score?

Hard inquiries have a small impact on your credit score. You’ll typically lose around five points off your FICO score and 5–10 points off your VantageScore. 1 2

However, there are several factors, like the length of your credit history, that affect how many points a hard inquiry will take off your score. If you only have one or two credit accounts or your accounts haven’t been open for long, a hard inquiry will usually have a greater effect on your score. 3

Does rate shopping affect your credit?

No, rate shopping doesn’t usually affect your credit. The major credit scoring models don’t want to punish you for being responsible and seeing what interest rates and terms different companies can offer you when you only intend to take out a single loan.

For this reason, they have a rate-shopping window (which they call a “deduping period”) where multiple inquiries for the same type of loan are counted as one. This prevents your credit score from dropping significantly while you look around for the best loan.

VantageScore offers a 14-day grace period, which applies to every type of credit. 4 By contrast, newer FICO models offer a 45-day grace period, but it only covers inquiries for student loans, auto loans, and mortgages. 5

In addition, FICO doesn’t lower your credit score right away when a hard inquiry appears on your credit report. There’s a 30-day buffer period before hard inquiries appear on your report and lower your score.

How long do hard inquiries stay on your credit report?

Hard inquiries stay on your credit report for two years. Any lender who views your credit report can see them during that period. 5

Fortunately, your credit score will probably recover from the inquiry much sooner. The effects will begin to fade after several months.

Hard inquiries that are more than a year old don’t factor into your FICO score at all, and they generally stop affecting your VantageScore after six months. 5 6

How to avoid triggering too many hard inquiries

It’s difficult to say precisely how many hard inquiries is too many because different lenders have different standards—there isn’t a universal consensus in the lending industry.

However, your perceived risk as a borrower generally increases with each new credit inquiry. Lenders may deny you a loan or credit card if there are multiple inquiries on your credit report. While being denied a credit card won’t hurt your credit directly, it will force you to apply for other lines of credit, incurring even more hard inquiries.

To minimize the number of hard pulls you receive, follow these tips:

  • Only apply for credit when you need it: It generally isn’t worth opening multiple credit accounts if you don’t need them. Be selective about the accounts you apply for.
  • Prequalify for cards: Many credit card companies offer pre-qualification tools that you can use to find out if you’re eligible for a card. They only trigger soft inquiries, so you can compare several cards without receiving too many hard inquiries.
  • Dispute unauthorized inquiries: You can remove hard inquiries from your credit report if they were unauthorized by filing a dispute with the credit bureau that reported the inquiry. (It’s always worth disputing errors you find on your credit report, including other types of negative marks like late payments and collection accounts.)

While it’s a good idea to avoid triggering unnecessary hard inquiries, having one or two really isn’t something to worry too much about. In fact, FICO reported that in 2019, around 10% of people with the maximum credit score of 850 had one or more hard inquiries from the past year. 7

Hard inquiries have a relatively small impact on your credit score, and they stay on your credit report for a much shorter time than other negative items, which in most cases remain for 7 years.

Takeaway: You usually trigger a hard inquiry when you apply for a loan or credit card.

  • A hard inquiry will usually appear on your credit report when you apply for a new credit account, such as a mortgage, credit card, auto loan, student loan, or personal loan.
  • Soft credit inquiries (e.g., from employment or insurance credit checks or credit card preapprovals) don’t hurt your credit score, and lenders can’t see them on your report.
  • Newer FICO models count multiple hard credit inquiries for the same type of credit as one inquiry if they’re triggered within 45 days. VantageScore’s grace period is 14 days.
  • Credit inquiries fall off your credit report after two years, but your credit score should recover in six months (in VantageScore’s model) to one year (in FICO’s).
  • If there are too many recent hard pulls on your report, lenders may consider you a high-risk borrower. You may find it more difficult to qualify for a loan or credit card.

Article Sources

  1. myFICO. "Credit Checks: What are credit inquiries and how do they affect your FICO® Score?" Retrieved November 25, 2021.
  2. VantageScore. "How Much Does Applying for Credit Really Hurt Your Credit Score?" Retrieved November 25, 2021.
  3. FICO. "The skinny on FICO® Scores and inquiries" Retrieved November 25, 2021.
  4. VantageScore. "Myths: What impacts credit scores?" Retrieved November 25, 2021.
  5. FICO. "Score a Better Future" Increases FICO Score Understanding" Retrieved November 25, 2021.
  6. VantageScore. "8 Things That Won’t Hurt (Whew!) Your Credit" Retrieved November 25, 2021.
  7. FICO. "The 850 FICO Score" Retrieved November 25, 2021.

Samuel Osbourne

Content Writer

View Author

Sam Osbourne is a content writer for FinanceJar. His writing covers credit scores, credit repair, and renters insurance. He’s worked across a mixture of genres, including blogs, essays, and fiction. Sam has a Master’s degree in Creative Writing.

Related Articles

Credit report showing SYNCB/PPC
Credit Inquiries

Nov 5, 2021

SYNCB/PPC: What Is It and Why Is It on My Credit Report?

SYNCB/PPC stands for Synchrony Bank/PayPal Credit. There are a few...

FinanceJar Team
Polar bear guarding credit report in ice, representing how to freeze your credit
Credit Reports

Sep 22, 2021

How to Freeze Your Credit

A credit freeze prevents prospective lenders and creditors from...

Samuel Osbourne
new credit card envelope does it hurt credit
Credit Scores

Oct 1, 2021

Does Opening a Credit Card Hurt Your Credit?

Opening a new credit card can hurt your credit score slightly in...

FinanceJar Team
Black car being repossessed which has an impact on credit
Credit Repair

Aug 5, 2022

How Long Does a Repo Stay on Your Credit?

A repossession takes 7 years to come off your credit report,...

FinanceJar Team
Gauge representing credit utilization rate
Credit Scores

Oct 6, 2021

Credit Utilization: What It Is and How It Affects Your Credit Score

Your credit utilization is the amount of your revolving credit that...

FinanceJar Team
Man disputing an item on his credit report with the credit bureaus
Credit Repair

Sep 13, 2021

How to Dispute an Item on Your Credit Report

If you suspect you have inaccurate information on your credit...

Victoria Scanlon
FinanceJar

Footer

Credit

  • Credit Scores
  • Credit Repair
  • Credit Reports
  • Credit Cards
  • Debt

Company

  • About Us
  • Contact Us

Legal

  • Terms & Conditions
  • Privacy Policy

Call Us

9AM – 9PM EST: 347-527-4868
24/7 Help Line: 323-649-8707

How We Make Money

We make money from advertising. We place links on our website to our affiliates, and when you click those links, our affiliates compensate us for it. Our relationships with our affiliates may affect which products we feature on our site and where these products appear in our articles.

Facebook Twitter Instagram TikTok YouTube LinkedIn Pinterest

© 2025 – ONR Financial Networks LLC – All Rights Reserved.

  • Credit Scores
    • Get Free Credit Score
    • Get Your Free FICO Score
    • Credit Score Range
  • Credit Repair
  • Credit Reports
    • Credit Inquiries
  • Credit Cards
    • Credit Card Reviews
    • Best Credit Cards for Bad Credit
    • Fair Credit
    • No Credit
    • Building Credit
    • Secured
    • Unsecured
    • 0% Interest
    • No Annual Fee
    • Guaranteed Approval
    • No Credit Check
    • No Foreign Transaction Fee
    • Gas
    • Students
  • Debt
    • List of Collection Agencies
  • Loans
  • About Us
  • 24/7 Support:

    323-649-8707

We hope this template helps you achieve your goals.

Would you please review us?

A review would mean a lot to us — and takes less than 20 seconds. Let us know what you think. Thanks!

Leave My Review

What you’ll get

  • Assess

    Fill in your information and we will securely pull your TransUnion credit report.

  • Address

    We challenge inaccurate negative items with the bureaus and your creditors.

  • Advise

    We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

Don’t want to wait? Call us!

Monday to Friday, 10AM - 7PM EST

FinanceJar

Get a FREE 5-minute credit consultation.

Get a credit improvement plan that works for you with 1 phone call.

What you’ll get

1
Assess

Fill in your information and we will securely pull your TransUnion credit report.

2
Address

We challenge inaccurate negative items with the bureaus and your creditors.

3
Advise

We will give you advice for how you can improve your credit. Don’t want to wait? Call us now.

This is completely secure and won’t hurt your credit score.

By clicking "Submit" I agree by electronic signature to: (1) be contacted about credit repair or credit repair marketing by a live agent, artificial or prerecorded voice and SMS text at my residential or cellular number, dialed manually or by autodialer, and by email (consent to be contacted is not a condition to purchase services); and (2) the Privacy Policy and Terms of Use.

Don’t want to wait? Call (888) 859-0871 now

FinanceJar

Advertising Disclosure

Some of our articles feature links to our partners, who compensate us when you click them. This may affect the products and services that we showcase in our articles and how we place and order them. It does not affect our evaluations of them, which our writers and editors create independently, without considering our relationships with our partners.

FinanceJar

Editorial Standards

We promise to always deliver the best financial advice that we can. That’s our first priority, and we take it seriously.

To ensure that our articles and reviews are objective and unbiased, our writers and editors operate independently from our advertisers and affiliates. Our writers do not take FinanceJar’s relationship with its affiliates into consideration when writing their reviews and articles.

Everything we publish is as accurate and as complete as we can make it. All of our articles undergo several rounds of fact-checking before we publish them, and we do our best to keep them as no-nonsense and jargon-free as possible while still delivering the information that you need.

We know that taking financial advice from us requires a lot of trust on your part. We’re grateful for that trust, and we won’t abuse it. Learn more about our editorial standards.

FinanceJar

How We Make Money

FinanceJar partners with other companies in the credit and finance industry, such as credit card issuers and credit repair companies.

We make money through advertising. Our pages feature links to our partners’ websites. If you click on one of those links, we get paid.

The links to our partners are always clearly marked. You’ll always be able to tell what you’re clicking. We’ll never try to trick you into clicking anything you’re not genuinely interested in.

That’s the only way that we make money. We don’t accept compensation in exchange for reviews or articles, and we don’t directly sell any products or services ourselves. Our editorial team operates independently (with no influence from our affiliates or our advertising team) so as to avoid compromising the objectivity of our reviews. Learn more about how we make money.