Credit scores have always been shrouded in mystery. It does not come as a surprise that consumers have outstanding misconceptions when it comes to what hurts and helps their scores. Unknown to many is that there are credit inquiries that hurt scores while others don’t. Errors on credit report also affect credit scores, significantly affecting one’s creditworthiness in the eyes of credit lenders. There are two types of credit inquiries when it comes to credit scores; hard inquiry and soft inquiries.