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A hard credit check is one that can negatively impact your credit score. These occur when you give a lender permission to check your credit history with the intent to open up a new line of credit. Each hard credit check can cause your score to drop by roughly 5 points and can affect your score for 6 months to a year. The hard credit pull is visible to anyone and will remain on your credit report for up to two years.
Can You Remove Inquiries from Your Credit Report? As mentioned earlier, soft credit inquiries do not negatively affect your credit score, but hard credit inquiries can. If you would like to remove hard credit inquiries from your credit report, you will have to dispute the hard inquiry with the creditor or with the three credit bureaus.