Credit enquiry
A check of your credit report; a soft one is harmless, a hard one can dent your score.
A credit enquiry is a look at your credit report. A soft enquiry, like checking your own score, changes nothing. A hard enquiry, when a lender checks because you applied for credit, can nudge your score down, especially if you make many in a short time.
Questions people ask
What is a credit enquiry?
A look at your credit report. A soft enquiry, like checking your own score, changes nothing. A hard enquiry, when a lender checks after you apply, can affect your score.
Do too many credit enquiries hurt my score?
Many hard enquiries in a short time can nudge your score down, because it can look like you are desperate for credit. Space out your applications.
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