Let’s say you’re looking at your credit reports and spot a credit inquiry you don’t recognize. An unfamiliar inquiry doesn’t necessarily mean it’s unauthorized, but it’s worth looking ...

Unexplained credit inquiries: If your credit report has credit inquiries, your lender may want to know where the credit inquiries came from and whether you acquired new debt. » MORE: 9 mortgage ...

How requests about your credit report can hurt your score Published: Mar. 05, 2018, 12:45 p.m. Hard and soft inquiries have different impacts on your credit report.

When we talk about credit scores, inquiries almost feel like an afterthought. Inquiries, or new credit, only contribute about 10 percent to your FICO score, so it's easy to assume they aren' ...

Soft credit inquiry vs. hard credit inquiry. There are two types of inquiries someone can make into your credit: soft inquiries and hard inquiries. They are similar, but not the same.

A hard inquiry, also known as a "hard pull", occurs when a financial institution accesses your credit report to make a lending decision. Some instances where this may happen include applying for a ...

Direct-to-consumer inquiry (Soft inquiry): When an individual checks their own credit report, it is classified as a soft inquiry and has no impact on the credit score.