CloudsCreditRepair™ FAQ

What is a hard inquiry?

A hard inquiry is a credit pull triggered when you apply for new credit, and it is visible to other lenders and factored into your score.

Explanation

Hard inquiries stay on a credit report for two years but typically affect scores for about 12 months, with the largest impact in the first 30–60 days.

Multiple inquiries for the same loan type within a short window (typically 14–45 days) are usually de-duplicated into a single inquiry for scoring purposes — known as 'rate shopping' treatment.

Examples
  • Mortgage application
  • Auto loan application
  • New credit card application
  • Some apartment rental applications
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