Because it's evidence that you're trying to take on more debt. Inquiries only affect your credit when they're from someone whom you've authorized to pull your

Because it's evidence that you're trying to take on more debt. Inquiries only affect your credit when they're from someone whom you've authorized to pull your credit as a potential creditor: https://www.nerdwallet.com/blog/finance/credit-report-soft-hard-pull-difference/ https://www.nerdwallet.com/blog/finance/credit-report-soft-h...