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Planning your financial future

What is a hard credit inquiry?

When does a credit score inquiry impact your credit, and how can you minimize the impact? Read more about 'hard' and 'soft' credit pulls.

You’re probably aware that too many inquiries into your credit report can negatively impact on your overall FICO credit score. However, did you know that not all credit inquiries are harmful?

The fact is, credit reporting agencies discriminate between hard credit inquiries and soft credit inquiries. A soft inquiry such as pulling your own credit score, credit card solicitations, and employer credit checks generally will have no effect on your credit score. However, that’s not the case with a hard pull of your credit.

What’s a hard credit pull?

A hard credit pull (or inquiry) typically occurs when you apply for credit and have agreed to allow a company with a legitimate business reason to pull and review your credit report. Hard credit inquiries are common when you apply for a home loan, refinance, or line of credit. Simply put, hard pulls indicate that you are attempting to borrow money.

Therefore, numerous hard pulls that are made within a short period of time can be an indication that you are desperately looking for a loan, and may result in lower credit scores. In fact, according to, one hard inquiry can knock up to five points off your credit score, which may take you six months to earn back.

Apply for credit sparingly

There may be many cases where a hard credit inquiry is necessary – such applying for a new home loan – and can be well worth the temporary dip in your credit score. However, a good rule of thumb would be to only apply for credit when you really need it.



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