What’s the Real Impact of Credit Inquiries on Your Score?

Each time you apply for new credit, it can generate a hard inquiry. And while one or two isn’t a big deal, too many in a short time can raise red flags.

Why it Matters:

   Lenders see multiple inquiries as a sign that you may be desperate for credit or taking on too much at once. That’s a risk factor, especially if your income or debt profile doesn’t support it.

Smart Moves:

• Rate shop within a short window (credit models group them)

• Avoid applying for multiple cards or loans at once

• Know how to accurately check your scores using reputable tools.

  
  

Inquiries are a smaller factor, but in tight credit environments, every point counts.

👉 Want help checking and understanding your credit report? We can help.

About the Author

   Jared Holmes is the founder of Brilliance Funding Partners, where he helps business owners navigate the commercial lending landscape with confidence. With 9 years of hands-on experience in SBA lending, equipment financing, and working capital solutions, Jared focuses on asking the right questions and delivering financing strategies that make sense for each business. Connect with Jared for a personalized conversation about your options.