Credit Checks -

: Use a Safe Harbor Period when shopping for loans. Most scoring models treat multiple inquiries for the same loan type (like a mortgage) within a 14- to 45-day window as a single inquiry. 2. Soft Inquiries (Soft Pulls)

A hard inquiry occurs when you apply for a new line of credit, such as a mortgage, auto loan, or credit card. credit checks

: These typically lower your credit score by a few points (usually fewer than five). : Use a Safe Harbor Period when shopping for loans

Soft inquiries happen when your credit report is checked for reasons not related to a formal credit application. such as a mortgage