Experian has a useful article on how “hard credit inquiries”,
often generated to get the best rate for an auto loan, can affect the credit
score.
Generally, Experian says, all inquiries are bundled together
as one inquiry for credit scoring, so the effect is rather minimal, and it goes
away with time.
No major credit reporting company has talked about “social
credit systems” yet but it seems like the tech companies want them.
