What kind of credit inquiry has no effect on your credit score?

Home Forums Credit Reports & Scores What kind of credit inquiry has no effect on your credit score?

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    StellarFi
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    #9437
    Team StellarFi
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    There are two kinds of credit inquiries: a soft inquiry and a hard inquiry. Soft inquiries usually don’t have any impact on your credit score. The purpose of a soft inquiry is usually to check your score or get a general background check from employers. This does not affect your credit score.

    A hard inquiry occurs when a new credit account is opened or a credit report is pulled from bureaus by lenders. This temporarily causes a drop in your score.

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