What are hard inquiries and how do they affect my credit score?
An example of an AI chatbot conversation about hard inquiries and their impact on credit scores.
What are hard inquiries and how do they affect my credit score?
Hard inquiries occur when a lender checks your credit report for lending decisions. They can lower your credit score temporarily.
How long do hard inquiries stay on my credit report?
Hard inquiries typically remain on your credit report for about two years, but their impact on your score diminishes over time.
Can I remove a hard inquiry from my credit report?
You can dispute a hard inquiry if you believe it was made in error, but legitimate inquiries cannot be removed.
How many hard inquiries are too many?
Generally, having more than 2-3 hard inquiries in a short period can negatively impact your credit score.
What should I do if I see an unauthorized hard inquiry?
If you see an unauthorized hard inquiry, contact the credit bureau to dispute it and consider placing a fraud alert on your credit report.
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