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Editorial Policy & Integrity PactA hard inquiry occurs when a financial institution requests your full credit report from a major credit bureau to make a formal lending decision. This action is recorded on your credit file.
Hard inquiries can temporarily lower your credit score by a few points. Our Pre-Approval Simulator uses a 'Soft Inquiry', meaning you can check your odds without any damage to your credit score.
Hard inquiries remain on your credit report for two years, but their impact on your FICO score diminishes significantly after the first few months.
See how factors like Hard Inquiry (Hard Pull) affect your ability to secure instant liquidity. Run a free algorithmic simulation with zero impact on your credit score.