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What does a hard credit check show...
Multiple credit inquiries within 30 days
What Is a Hard Inquiry?
A hard inquiry is a request to check your credit, typically to make a decision about your loan or credit card application. It may shave a few points off your credit score, but it's temporary.
When you check your credit yourself, it's a soft credit inquiry or soft credit check, and it doesn't affect your score.
The Fair Credit Reporting Act places restrictions on when and why your credit report may be checked.
What is a hard inquiry?
A hard inquiry, also called a hard pull or hard credit check, requires your consent.
It is triggered when you apply for credit, such as a mortgage, credit card, auto loan, student loan or personal loan. It doesn't happen if you are only looking for pre-qualification to decide whether to apply.
This inquiry becomes part of your credit report, meaning anyone who pulls your credit can see it.
A hard inquiry will remain on your credit report for about two years, but it stops affecting your credit score in less than a year.
How does a hard inquiry affect your credit score?
A single hard inqu
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