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Then you decide you want a card with travel rewards, so you apply for a couple of those. That could be four credit inquiries within a short period, and it could result in a lower score. Statistics cited by FICO show that people with six or more recent inquiries are eight times as likely to file for bankruptcy as those with none, and scoring formulas reflect that.
If a hard inquiry on your credit report is inaccurate, you can dispute it as you would any other credit report error. Any credit score damage done by inquiries can be remedied with time.
In the meantime, focus on the two things that have the most powerful effect on your scores:. Those habits account for more than half of your score. NerdWallet can help you track your progress and offer tips for improving the other factors. Bring all your money into one view, and get tailored insights to make the most of it. Learn more.
But most consumers see their score drop five points or less per inquiry, according to Fair Isaac, the company that created the FICO scoring model. Check out the best accounts to help you save money and reach your financial goals! Although hard inquiries can affect your credit score for up to a year, their impact lessens within a few months, according to Experian. Staying on top of the factors that impact your credit most will minimize the effect of inquiries on your scores.
Hard inquiries stay on your credit report for two years. They only impact your credit score for one year, but creditors will see them and can use them to make credit decisions for as long as they remain in your credit report. Credit bureaus understand that you are trying to shop for the best rate, not open up several new lines of credit.
Multiple inquiries for credit cards or personal loans — or a variety of credit types — are treated differently because they indicate that you might be having financial difficulties. When you do need it, research a few lenders ahead of time so you can apply to all of them at the same time — the longer the time between applications, the more they can impact your score.
Daria Uhlig contributed to the reporting for this article. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct.
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For our full Privacy Policy, click here. Advertiser Disclosure. By Ashley Eneriz October 21, Hard Queries vs. Check Your Credit Today. Top Offers from our Best Banks of Check out the best accounts to help you save money and reach your financial goals! View Offers. About the Author Ashley Eneriz. Ashley Eneriz is a freelance writer based in California that specializes in writing about frugal living, budgeting, and making money.
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