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Home Credit Scores Hard Inquiries: How Many Points Do They Take Off Your Credit Score?

Hard Inquiries: How Many Points Do They Take Off Your Credit Score?

Elevator that symbolizes hard inquiry lowering your credit

At a glance

Hard inquiries have a small impact on your credit score. Read on to learn how much they affect your score and why you might struggle to get a loan if there are too many hard inquiries on your credit report.

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

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Written by Samuel Osbourne

Reviewed by Robert Jellison

Sep 13, 2021

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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. How much does a hard inquiry affect your credit score?
  2. How many hard inquiries are too many?

How much does a hard inquiry affect your credit score?

Hard inquiries affect your credit score, but they’re one of the least important factors. In FICO’s scoring models, hard inquiries (also known as hard pulls) are only one component in the New Credit category, which itself only accounts for 10% of your credit score. Factors like your payment history (which accounts for 35% of your score) and your credit utilization (30%) are much more influential.

Your FICO score will generally drop by a maximum of five points per hard inquiry, although you might lose more points if you have a shorter credit history or fewer accounts.1 2

Similarly, a single hard inquiry can cause your VantageScore to drop by 5 to 10 points. 3

You’ll usually get a hard pull on your credit report when you apply for the following:

  • Credit cards
  • Secured and unsecured loans (like a car loan, student loan, personal loan, or mortgage)
  • Phone or utility contracts
  • Apartment rentals (although landlords sometimes perform soft credit checks instead, which won’t hurt your score)

Hard inquiries fall off your report after two years

When your prospective creditor checks your credit report, they can see every hard credit inquiry you’ve had in the last two years. However, FICO only factors hard inquiries that were added to your report in the last year into your credit score.4 VantageScore states that hard inquiries stop affecting your credit score after three to six months. 3 5

Why do hard credit inquiries lower your score?

Hard credit inquiries lower your score because they mean you’re applying for new credit, which suggests you might be struggling financially. Statistically, you’re up to eight times more likely to file for bankruptcy if you have six or more hard inquiries on your credit report. 2

Fortunately, as soon as you demonstrate that you’re using your new credit responsibly (which means making payments according to your repayment schedule if it’s an installment loan and making all your minimum monthly payments on time if it’s a revolving credit account), your score will recover quickly.

How long it’ll take for your credit score to fully recover after a hard inquiry depends on various factors. You can expect it to take three to six months for your VantageScore credit score and no more than one year for your FICO credit score.

Removing a hard inquiry from your credit report

You usually can’t remove a hard inquiry unless the bureau added it to your report by mistake, so you’ll have to wait two years before the inquiry will fall off your report. However, as mentioned, your score will recover after a few months to a year.

Hard inquiries hurt your credit score, but soft inquiries don’t

Unlike hard inquiries, soft inquiries don’t affect your credit score. Moreover, prospective creditors can see every hard inquiry you’ve had in the past two years when they access your credit report, but they can’t see soft inquiries (like employer background checks, pre-approved credit offers, or when you check your own credit).

How many hard inquiries are too many?

In general, you should aim to have as few hard inquiries as possible while still obtaining the credit you need. There’s no clear point at which you have too many hard inquiries—just be aware that each new hard pull will bring down your score, except if they occur within a short space of time.

Multiple hard inquiries count as one when you’re rate shopping

When you’re rate shopping for an auto loan, a student loan, or a mortgage, FICO will treat multiple hard inquiries that you trigger within a 45-day period as a single hard inquiry.6 There’s also a 30-day grace period before hard inquiries of those types start to affect your score at all.4

Similarly, VantageScore treats any hard inquiries that occur within a 14-day period as a single hard inquiry.

These exceptions only apply to hard inquiries of the same type, and they only apply to auto loans, student loans, and mortgages. They don’t apply to hard inquiries for other types of credit, such as credit cards.

This means that if you apply for five auto loans in a short period, those will be counted as one hard inquiry. However, if you apply for an auto loan, a mortgage, and a personal loan, those will be counted as three separate inquiries, and each will lower your score. Similarly, five hard inquiries for credit cards will be counted as five separate hard inquiries.

FICO and VantageScore have put this exception in place because they know that responsible borrowers often shop around before taking out loans, and doing so doesn’t signify that they present a risk to lenders.

Takeaway: Hard inquiries can take up to five points off your credit score

  • When you apply for a loan, your creditor will usually run your credit, which will cause a hard inquiry to appear on your credit report.
  • FICO normally disregards multiple hard inquiries made within a 30-day period. After that period, multiple inquiries made within 45 days (FICO) are treated as one inquiry. VantageScore treats multiple hard inquiries as one inquiry if they occur within a 14-day period.
  • Your credit score will recover from a hard inquiry after six months (VantageScore) to one year (FICO), and all hard inquiries will fall off your credit report after two years.
  • Unlike hard inquiries, soft inquiries don’t appear on your credit report (except copies that you’ve requested) and don’t affect your credit score because they’re not associated with applications for credit.

Article Sources

  1. U.S. Small Business Administration. "Credit inquiries: what you should know about hard and soft pulls" Retrieved September 28, 2021.
  2. MyFICO. "Credit Checks: What are credit inquiries and how do they affect your FICO® Score?" Retrieved September 28, 2021.
  3. VantageScore. "Did You Know: You can get zero percent interest rates on some loans" Retrieved September 28, 2021.
  4. FICO. "Score a Better Future’ Increases FICO Score Understanding" Retrieved September 28, 2021.
  5. VantageScore. "8 Things That Won’t Hurt (Whew!) Your Credit" Retrieved September 28, 2021.
  6. VantageScore. "9 Myths About Credit Scores" Retrieved September 28, 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.

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