Skip to main content
An official website of the United States government
(855) 411-2372
Submit a Complaint

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.

Take the next step

Submit a complaint

We’ll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.

Submit a complaint

Don't see what you're looking for?

Browse related questions

Was this answer helpful to you?

Please do not share any personally identifiable information (PII), including, but not limited to: your name, address, phone number, email address, Social Security number, account information, or any other information of a sensitive nature.