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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.
Inquiries on your credit score can be soft or hard, and the impact will vary with the type of pull.. A hard pull when you apply for a car loan can affect your credit score by about 5 points for up to six months, so don't take this step until you're ready to pre-qualify or get a loan.If your credit score is already good, this won't really hurt you.e careful about trying to pre-qualify for a loan online. These inquiries often generate hard pulls on your credit report. If you go through your regular bank or credit union or through a car dealer to pre-qualify, you'll probably generate only one inquiry, which will not hurt you. Do your pre-qualifying quickly, too.