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A 'hard inquiry' occurs when a lender with whom you've applied for credit reviews your credit report as part of their decision-making process. This type of inquiry appears on your credit report and can influence your credit scores.
Too many hard inquiries in a short period of time can be concerning to lenders, but if there are multiple inquiries for a certain kind of credit – such as a car loan or a mortgage – in a short period, credit scoring models will treat them as a single inquiry, which will have a smaller impact on your credit score than multiple, separate inquiries.
According to credit reporting agency Experian, hard inquiries are only one of many factors used in calculating your credit scores and are rarely the reason you might be denied credit.
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