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Forum nameGeneral Discussion
Topic subjectCredit inquiries account for 10% of your FICO score.
Topic URLhttp://board.okayplayer.com/okp.php?az=show_topic&forum=4&topic_id=13408962&mesg_id=13409011
13409011, Credit inquiries account for 10% of your FICO score.
Posted by soulfunk, Tue Oct-20-20 10:13 AM
Hard pulls on your credit will stay on your report for two years, but won't affect your score after one year:

https://www.nerdwallet.com/article/finance/how-long-hard-inquiries-stay-on-credit-report

>Is it true having your credit score checked repeatedly in a
>short amount of time can hurt your score?

This depends on what you're doing. If you are buying a house or refinancing then multiple hard pulls on your credit get counted only as one if within a month - because they know you have to shop around for different mortgage companies. But multiple credit card pulls within a month all get counted individually, and will affect your score for the next year. That being said, inquiries only count for 10% of your FICO score, so if everything else is good (payment history, utilization, age of credit history, mix of accounts) then the number of credit inquiries won't really matter.