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What Are Hard Inquiries on Your Credit Reports?

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Highlights
In this article

Highlights:

  • A hard inquiry on your credit reports happens when a lender reviews your credit history. This occurs when you apply for new credit, such as a mortgage, home equity loan or other types of credit.
  • Too many hard inquiries in a short time can have a negative impact on your credit scores.
  • Several hard inquiries within a certain time frame for a home or auto loan are often counted as one inquiry.
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