Credit inquiries can either be in the form of hard inquiries or soft inquiries, and they can happen for a variety of reasons. Hard credit inquiries occur when someone like a landlord or potential ...

Hard inquiries no longer affect your credit score after a year and fall off your credit report after two years. While hard inquiries lower your credit score, soft inquiries do not affect your ...

See how we rate credit score services to help you make smart decisions with your money. Soft inquiries are pulls of your credit report that don't involve applying for credit or borrowing money.