Skip to content

Credit Inquiries

Credit Inquiries: Hard And Soft

Not every inquiry affects scoring, and not every inquiry on your file should be there.

Inquiries record access to your credit file. Broadly, those tied to an application for credit may be visible to lenders and considered by scoring models, while others are generally not.

Inquiries you cannot account for deserve review. That review begins with reconstructing what you applied for and when.

This article is educational and is not legal advice. Fred Livai Financial does not guarantee deletion of information, a particular credit score, or approval for credit or financing.