Skip to main content

๐Ÿš€ We're live on Product Hunt today โ€” your support means the world

Glossary ยท credit

What is Hard inquiry?

A credit check triggered when you apply for new credit, which slightly lowers your score temporarily.

Last updated

Hard inquiries typically drop a credit score by a few points and stay on the report for 12โ€“24 months (impact fades quickly). Multiple mortgage or auto-loan inquiries in a 14โ€“45 day window usually count as one for scoring purposes โ€” encouraging rate shopping.

Soft inquiries โ€” checking your own score, prequalified offers โ€” never affect your score.

Practice this in Aurora

Ask Auri โ€” your AI budgeting coach โ€” how this fits your money habits.

Talk to Auri โ†’

Frequently asked questions

How long does a hard inquiry hurt?

Most of the impact is gone within a few months, though the record stays on your report longer.

Related terms