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    Fundamentos de reparación de crédito

    Consultas duras vs suaves explicadas

    By Credit Booster Team | Published April 10, 2026 | Updated April 11, 2026

    No todas las verificaciones de crédito son iguales.

    Hard vs Soft Inquiries

    Hard Inquiries

    Occur when you apply for credit. Each hard inquiry can lower your score by 5-10 points. They remain on your report for 2 years but only affect your score for 12 months.

    Common hard inquiries:

  1. Credit card applications
  2. Loan applications
  3. Mortgage pre-approvals
  4. Auto financing
  5. Apartment rental applications (sometimes)

    6. Soft Inquiries

    Don't affect your score at all. Only you can see them on your report.

    Common soft inquiries:

  6. Checking your own credit
  7. Pre-approval offers
  8. Background checks by employers
  9. Insurance quotes
  10. Account reviews by existing creditors

    11. Rate Shopping Protection

    If you're shopping for a mortgage, auto loan, or student loan, multiple inquiries within a 14-45 day window count as a single inquiry.

    Can You Remove Hard Inquiries?

    Yes, if:

  11. You didn't authorize the inquiry
  12. The creditor can't verify you applied
  13. The inquiry is older than 2 years but still showing

    14. CreditBooster identifies unauthorized hard inquiries during our initial $1 scan and includes them in our dispute strategy.

    AK

    Escrito por

    Alexander Katsman

    Experto en crédito y finanzas

    Alexander Katsman tiene más de 18 años de experiencia en la industria crediticia y financiera. Ha ayudado a miles de clientes a mejorar sus puntajes de crédito.

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