Every time your credit is pulled it is classified into two different categories. It is either a hard or a soft inquiry. The soft inquiries don't have any effect on your credit. These are times in which your credit is pulled by 3rd parties for promotional purposes and or skip tracing
reasons. The hard inquiries, have a negative effect on your score. That's why its important to apply for credit sparingly. According to FICO, even though credit inquiries stay on your report for about 24 months, they only consider the last 12 months while determining your score. If you find that there are "hard" inquiries on your report, immediately contact the credit bureau to get these removed.
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