Hard Credit Inquiry

A credit-file request associated with an application that may affect a credit score.

Reviewed: August 2, 2026 · Educational content
Definition: A credit-file request associated with an application that may affect a credit score.

Why it matters

This term can affect how a loan is priced, approved, serviced or reported.

Example

Always interpret the term in the context of the specific agreement and local law.

Related reading

APR and fees explained · How loan apps work