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Credit inquiries are requests by a legitimate business to check your credit. As far as your FICOÂ® score is concerned, credit inquiries are classified as either hard inquiries or soft inquiries  only hard inquiries have an affect on your FICO score.Soft inquiries are all credit inquiries where your credit is NOT being reviewed by a prospective lender.ach of these types of credit checks count as a single inquiry. One exception occurs when you are rate shopping. That's a smart thing to do, and your FICO score considers all inquiries within a 45 period for a mortgage, an auto loan or a student loan as a single inquiry.