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 of inquiries— and soft —is essential for protecting your credit score. 1. Hard Inquiries (Hard Pulls) credit checks

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

Hard vs Soft Inquiries: Different Credit Checks - TransUnion often fading within a year

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