Credit Checks May 2026

Understanding the difference between the two main types of inquiries— and soft —is essential for protecting your credit score. 1. Hard Inquiries (Hard Pulls)

: These typically lower your credit score by a few points (usually fewer than five). 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

Soft inquiries happen when your credit report is checked for reasons not related to a formal credit application. : The minor score drop is temporary, often

Hard vs Soft Inquiries: Different Credit Checks - TransUnion

A hard inquiry occurs when you apply for a new line of credit, such as a mortgage, auto loan, or credit card.

: Multiple hard inquiries in a short window can signal financial distress to lenders.