Credit Q&A

Answers to our most common credit and financial questions

Do credit inquiries affect my credit score?

Not all credit inquiries (requests to check your credit report) affect your credit score.

There are two different types of credit inquiries (sometimes referred to as "pulls"): hard and soft.

Soft inquiries are not associated with applications for credit and do not affect your credit score. On the other hand, hard inquiries are associated with applications for credit and may affect your score. In general, you may see 3-5 point decrease in your score after the inquiry happens. Hard inquiries include a new credit card, auto loan or mortgage.

Requesting your credit report and score in Quizzle does not affect your score in any way.

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