When Hard Inquiries Fall Off a Credit Report, Does Your Credit Score Go Up?

When Hard Inquiries Fall Off a Credit Report, Does Your Credit Score Go Up?

Credit Repair
August 21, 2018 • 7 min read by James Conners If you’ve applied for a loan or new credit recently, you may have noticed (or been forewarned) that a “hard inquiry” was made into your credit report. Inquiries are just another term for credit check, and they helps banks, lenders, and creditors determine your creditworthiness. While there are technically two types of inquiries — hard and soft — only a hard inquiry has a negative effect on your credit score. But it’s difficult to avoid a hard inquiry when you really need a loan or new credit. And thinking about what it does to your score can understandably be worrying. But remember that your credit report and credit score are never permanent. They fluctuate over time to reflect your credit…
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