Credit enquiry
Credit scores & reportsA record of a credit check made by a lender or service provider.
Overview
Enquiries can be hard or soft. Hard enquiries are visible to lenders and can affect your score.
Soft enquiries are usually for eligibility checks or when you view your own report.
Why it matters
- Multiple hard enquiries can reduce your score.
- Soft enquiries do not affect scores.
- Enquiries show recent credit activity.
FAQs
How long do hard enquiries stay on my report?
They remain visible for a period of time, even after the impact fades.
Can I remove an enquiry?
Only if it is incorrect. Otherwise it remains until it ages off.
Related terms
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