Credit Myth - Each Credit Pull Hurts

from The Credit Pros Podcast · host The Credit Pros

Credit checks do not significantly harm your FICO score. There are 'hard' inquiries for applications and 'soft' inquiries that don't impact scores. Multiple 'hard' inquiries for a home or car within 45 days count as one to prevent damage from rate shopping. Inquiries are only 10% of your credit score, while payment history and amounts owed constitute 65%.

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This episode is 3 minutes long.

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This episode was published on July 25, 2025.

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