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Hard Inquiry Impact Tool
Understand how hard inquiries on your credit report affect your score and when they go away.
Your Inquiries
Hard inquiries from the last 2 years
Impact Analysis
Enter the number of hard inquiries to see their impact.
Understanding Hard Inquiries
A hard inquiry happens when a lender checks your credit to make a lending decision (like a credit card application or loan). Each inquiry typically costs 5–10 points.
Good news: Multiple inquiries for the same type of loan (mortgage, auto, student) within a 14–45 day window often count as just one inquiry. This is called rate shopping.
Soft inquiries don't count: Checking your own credit, pre-approval offers, and employer background checks are soft inquiries and have zero impact on your score.