Credit reports and Credit scores Terms

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Houston Mortgage > Glossary > Credit reports and Credit scores > H 1-10

Hard inquiry
An item on a person's credit report that indicates that someone has asked for a copy of the individual's report. Hard inquiries are requests that result from a person applying for credit, such as a mortgage, a car loan, a credit card or a rental application. They are included in the formula for determining a person's credit score.

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