A check on your credit report made by a lender when you apply for credit.
Each application for a loan or card adds a hard enquiry to your report. Several in a short time can lower your score, because they suggest you are looking for a lot of credit at once.
Checking your own score, or a lender's pre-approved offer, is a soft enquiry and has no effect. Comparing eligibility before applying keeps hard enquiries down.
Short reads that explain how it works before you decide.
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