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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.
Each time you apply for credit, a hard inquiry is generated on your credit report when a lender checks to see if you are creditworthy. Each hard inquiry drags down your score. The effects are minor â usually, three to five points. Good behavior with a new card quickly erases the damage.