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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.
1 Hard pull inquires can affect your credit score. 2  Soft pull inquiries occur when an existing creditor pulls your credit to see what your credit situation is. 3  A soft credit inquiry occurs when you pull your own credit report. 4  Soft credit inquiries do not affect your credit score.hese inquiries were made by companies who pulled your credit report and these inquiries will remain on your credit report for two years. You may not recognize their names and you have no idea why they pulled your credit so it may seem a bit unnerving.