Hard inquiries may temporarily ding your credit score, but only remain on your credit report for two years
A hard inquiry is a request made by a lender who wants to view your credit report before approving you for a new loan or line of credit. With your permission, a lender receives a copy of your credit report, which lists your account and payment history, and other hard inquiries from the last two years. Too many hard inquiries in a short period of time may raise red flags for lenders because they signal a high volume of new accounts and may indicate a risk of overspending. .
A hard inquiry is a request made by a lender who wants to view your credit report before approving you for a new loan or line of credit. With your permission, a lender receives a copy of your credit report, which lists your account and payment history, and other hard inquiries from the last two years. Too many hard inquiries in a short period of time may raise red flags for lenders because they signal a high volume of new accounts and may indicate a risk of overspending. .
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