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While credit inquiries may have a negative impact on credit scores, inquiries alone will never cause you to be declined. Negative information will invariably have a greater impact on scores than credit inquiries. Recent credit inquiries, however, concern creditors because they may indicate you have added debt they don’t know about yet. That’s why you often are asked to explain recent credit inquiries when you apply for a mortgage. The older the inquiry, the less important it is.
Your creditors only see credit inquiries from transactions you initiate. So credit inquiries resulting from preapproved credit offers aren’t provided to creditors. Because people shop for the best rates when making a home or auto purchase, credit scoring systems count inquiries for those reasons that occur with a short period of time as only one inquiry.
- Checking your report for employment reports does not hurt credit scores
- Credit scores not hurt by reports from credit monitoring services
- Effect of getting your credit score from a third party
- How to find out who is checking your credit report
- Impact on credit scores of inquiries for an auto loan
- Inquiries by your credit card provider will not hurt credit scores
- Inquiries can have small impact on credit scores
- Inquiries for an auto loan
- Inquiries for multiple car loan applications cannot be removed
- Inquiries from employers are only shown to you
- Inquiry for credit line increase could impact scores, but is not the only issue
- Inquiry from leasing company cannot be removed
- Multiple inquiries when you cosign for a car loan
- One inquiry can be “too many”
- Personal report lists who has requested your credit report for two years
- Renewing pre-approved car loan likely will cause hard inquiry
- Report shows all inquiries, but they may be counted as only one
- Satellite TV provider needs your SSN to check credit
- The effect on credit scores when you check your own credit report
- Unsolicited credit offers do not hurt credit scores
- Vanpool inquiry should not affect credit scores
- Why inquiries can change credit scores