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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.
For someone with zero credit cards, it will have a larger effect. The general consensus is that each hard pull knocks about 3-5 points off your credit score, and the effect decreases as time passes â after 6 months the effect is reduced, and after a year it is gone.