DAY 2 – Hard vs. Soft Inquiries

A hard inquiry doesn’t hurt as much as people think.

Soft pulls don’t affect your score at all. Hard pulls do, but only 2–5 points (per inquiry) and only for 12 months (sometimes 24).

What really matters is why and when you’re getting pulled. Multiple inquiries for the same loan type within a short window are treated as one.

It’s not the inquiry that kills you tbh

It’s you looking desperate to the lender.

Nobody gives money to people who need it!

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