Credit Checks May 2026

Understanding the difference between the two main types of inquiries— and soft —is essential for protecting your credit score. 1. Hard Inquiries (Hard Pulls)

Soft inquiries happen when your credit report is checked for reasons not related to a formal credit application. credit checks

: The minor score drop is temporary, often fading within a year, though the inquiry remains on your report for two years. Understanding the difference between the two main types

A hard inquiry occurs when you apply for a new line of credit, such as a mortgage, auto loan, or credit card. : The minor score drop is temporary, often

Credit Checks 101: Understanding Inquiries and Your Score Credit checks, often called , are formal requests to review your credit history. They allow lenders, landlords, and even employers to assess your financial reliability by looking at your past behavior.

: These typically lower your credit score by a few points (usually fewer than five).

: Multiple hard inquiries in a short window can signal financial distress to lenders.