Your credit score can be affected by hard inquiries, which occur when a lender checks your credit for lending decisions. Generally, a single hard inquiry can lower your score by a few points, but multiple inquiries in a short period can have a more significant impact. Soft inquiries, like those made by services such as Credit Karma, do not affect your score. It's advisable to limit hard inquiries, especially when seeking new credit, to minimize potential negative effects.
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