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Does a credit inquiry have a different impact on my score if I'm approved or denied?

Credit models generally do not give positive or negative weight to the outcome of the credit inquiry.

Credit scoring models typically evaluate credit inquiries based on:

  • How recently the inquiry occurred
  • How frequently inquiries are made
  • How many inquiries are made

Being approved for credit could impact other variables in credit scoring models, such as your credit utilization rate – the amount of credit you’ve been given compared to the amount you’ve used.