Friday, June 21, 2024
HomeExclusiveHow Much Does A Hard Inquiry Affect Your Credit Score

How Much Does A Hard Inquiry Affect Your Credit Score

Seo Statistics: Voice Search Seo

How Credit Inquiries Impact Your Credit Score

Today, 46 percent of people use voice assistants, like Amazon Echo, Google Assistant, or Siri. As voice search use increases, businesses are adopting a proactive approach to voice search. Theyre optimizing their content now, versus later, for voice search users.

Learn more about voice search and its value with these SEO statistics:

1. How many people use voice search?

More than 55 percent of people use voice search, specifically to find local businesses. Even better, more than 75 percent of voice-enabled speaker owners use voice search each week to discover a local company near them. Invest in voice search now, and your business can start reaping the benefits of these searches.

2. How many voice searches happen each month?

Its hard to imagine that more than one billion voice searches happen each month, but they do. Thats why your company doesnt want to ignore voice search. If you do, youre overlooking a valuable portion of your target audience.

You also create an opportunity for your competitors. If they optimize for voice search and you dont, its easy for them to reach and convert your target audience, which costs your company revenue. It also threatens your future growth as well as the long-term success of your business.

3. What percentage of searches happen by voice?

Understanding Hard Inquiries On Your Credit Report

Reading time: 3 minutes


  • When a lender or company requests to review your credit reports after you’ve applied for credit, it results in a hard inquiry
  • Hard inquiries usually impact credit scores
  • Multiple hard inquiries within a certain time period for a home or auto loan are generally counted as one inquiry

Some consumers are reluctant to check their credit reports because they are concerned that doing so may impact their credit scores. While pulling your own credit report does result in an inquiry on your credit report, it will not affect your credit score. In fact, knowing what information is in your credit reportand checking your credit may help you get in the habit of monitoring your financial accounts.

One of the ways to establish smart credit behavior is to understand how inquiries work and what counts as a hard inquiry on your credit report.

What is a hard inquiry?

When a lender or company requests to review your credit report as part of the loan application process, that request is recorded on your credit report as a hard inquiry, and it usually will impact your credit score. This is different from a soft inquiry, which can result when you check your own credit or when a promotional credit card offer is generated. Soft inquiries do not impact your credit score.

Recent hard inquiries on your credit report tell a lender that you are currently shopping for new credit. This may be meaningful to a potential lender when assessing your creditworthiness.

Additional Website Visitor Tracking Options

  • Track Feedburner RSS referrers statistics
  • Scheduled and instant email alerts for specific visitor IP addresses and computer IDs
  • Track and control individual links and pages on your websites
  • Detect if your content is placed under a different domain name
  • Control public access to individual pages and links by IP, country and time range tools
  • Add additional authorized users to your account with full or limited access
  • Keep all your personal and business website visitor traffic records private. Your advanced visitors statistics and your email address are never shared with anyone . Not even with advertisers. That’s the difference makes.
  • Get status on “What is my IP” address and how it changed over time.

Don’t Miss: Does Getting Married Affect Your Credit Score

Two Types Of Credit Inquiries

There are two basic types of credit inquiries and they’re each treated differently when it comes to your credit score.

Inquiries that are made because of an application you’ve made are known as “hard” inquiries. These are the only credit inquiries that count toward your credit score. For example, an inquiry made when you apply for a credit card or loan will appear on your credit report and can affect your credit score.

In reviewing your credit report, you might notice that several inquiries appear from businesses to which you didnt apply for credit. These are often from businesses who’ve checked your credit report because they want to offer goods and services to you. For example, creditors who send pre-approved credit card offers have often checked your credit report first to see if you meet the basic criteria for the credit card. These “soft” inquiries count toward your credit score.

You can opt-out of prescreened credit card offers by visiting

The version of your credit report that you see includes all inquiries made into your credit report within the past 24 months older inquiries drop off after 24 months. Only hard inquiries appear on the version of your credit report that lenders and creditors view.

Check For Comments And Advertise Here Page

How Hard Inquiries Affect Your Credit Score

Heres another handy tip for checking website traffic really quickly. It works almost every single time.

We all know how powerful blog commenting is. Did you know that you can check any website traffic by leaving a comment on their posts? Once you comment on a WordPress blog, your browser redirects you to where your comment will show up.

If you closely observe URL, youll see something like this:

The number 108,656 says that you left the 108,656th comment on This number includes spam comments too. Assume that 75-90% of the comments are spam and now you can get an idea of how many real comments a site has..

If you observe top niche bloggers, you will see that they gave lot many interviews talking about how they built their site and what works for them. But, they will not share how much traffic they get and where its coming from.

A lot of people are more open about sharing traffic stats. You can see this in interviews and archived articles on a blog there you will stumble upon a blog in review or traffic report post. With the help of those stats, you can start to figure out how much traffic the site is getting today.

However, you can figure out how much traffic a website gets is to go to their Advertising page. Lets say, if a blog is trying to sell advertising space, they must tell you exactly how many unique views and impressions your ad is going to get every month.

So, this way also you can get monthly traffic estimation of your competitors.

Don’t Miss: Does Paypal Credit Report To Credit Bureaus

Web Search Statistics 2021

41. Google holds the majority market share of all search engine activity, with 92.16%.

42. Bing is the second most popular search engine in the world with a measly market share of 2.88%.

43. 68% of all website traffic comes from search engines.

44. Google receives about 7 billion search queries every day.

45. Google has indexed hundreds of billions of web pages. It is estimated that the Google Search Index contains over 100,000,000 gigabytes of data.

46. Google now indexes all websites using a mobile-first algorithm.

47. More than half of all Google searches result in zero clicks.

Pro Tip: What You Dont Know Can Kill Your Business

Take charge of your financial health today with a FREE Nav account. We’ll protect and monitor your personal and business credit, so when it comes time to find financing you’re prepared on all fronts.

Have at it! We’d love to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and protect yourself. Refrain from posting overtly promotional content, and avoid disclosing personal information such as bank account or phone numbers. Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.

Also Check: What Is Syncb Ntwk On Credit Report

Google Search Engine Statistics

When talking about SEO, most people think of Google. After all, its the worlds most used search engine, responsible for driving the most traffic to websites. It holds the dominant portion of the search engine market and delivers search results in a matter of seconds. Thats why, for most marketers, achieving good SEO results means achieving not just a high search engine ranking but a high ranking on Google.

Googles search engine market share in 2021 is 86.6%.

Google has practically wiped out all of its competitors, grabbing a giant portion of the search engine market share – 86.6% of it, to be precise. Leaving YouTube out for the fact that its a video-streaming platform, Bing is a distant second, holding only 6.7% of the global market. Statistics on search engines also show that Baidu, the largest Chinese search engine, takes third place with its 0.54% share, while Yahoo! holds 2.71%.

91,144 Google searches take place every second.

Google now processes almost 92,000 search queries every second on average. This means over 13 billion Google searches per day and 4.75 trillion searches per year are conducted worldwide.

95.25% of mobile search traffic is generated on Google.

When it comes to getting info on the go, internet users the world over rely on Google. According to StatCounters statistics for search engine usage, as much as 96% of mobile search traffic comes from this search engine alone.

A 40% drop in internet traffic was recorded when Google went down.

Web Users Exposed To Slow Loading Times Willconduct Less Searches On Average

Hard Inquiries vs Soft Inquiries || Things That Affect Your Credit Score | Credit Card Line Increase


This is according to studies using their search engine. Speed matters. Even after rectifying a low speed, users will be reluctant to return to your website. Get rid of anything that hinders your websites speed. Music players, flashy graphics and unnecessarily large images will stagnate loading time. Google has a few tips on how to fix a slow website.

Also Check: How To Remove Repossession From Credit Report

Paid Search Statistics By Industry

43. The average click-through-rate is 3.17%.

44. The highest CTR is found in the dating industry, at 6.05%.

45. The lowest CTR is found in the technology industry, at 2.09%.

46. The average cost-per-click is $2.69.

47. The highest CPC is found in the legal industry, at $6.75.

48. The lowest CPC is found in the e-commerce industry, at $1.16.

49. The average conversion rate on the Google Ads search network is 4.4%.

50. The highest conversion rates are found in the vehicle industry at 7.98%.

51. The lowest conversion rates are found in the apparel industry, at 2.77%.

52. The average cost per conversion is $56.11 on the Google Ads search network and $90.80 on the display network.

53. The highest cost per conversion is in the computers and electronics industry at $101.40.

54. The lowest cost per conversion comes from the auto industry, at $26.17.

Section sources:

These Web Design Stats Prove Design Is Always Changing

As you can see, website design is always changing and growing. Some of the elements that were popular years ago are going out of fashionand its tough to predict what websites will look like towards.

Regardless of the best practices you follow, remember that a website isnt done after your first design. People assign more credibility to sites that show they have been recently updated or reviewed.

Make a commitment to browsing web design statistics, and putting trends at the forefront of your mind. Use them when redesigning your website to prove that youre on the ball.

Read Also: How To Unlock My Experian Credit Report

A Study Found That 94% Of Negative Website Feedback Was Design Related

Modern design creates positive first impressions

Since users are making judgements on the credibility of your website in much less than a second, the most logical way you can impact this decision is with design.

Make sure your website doesnât look like it was built in 2002 with some simple fixes.

Make sure your images look like they were taken this decade, and your fonts are either modern or timeless. Thereâs nothing quite like the laugh I get when I see Comic Sans on a website.

Another important factor of website modernity is aspect ratio, or the ratio of the width to the height of the screen. If your website sports a 3:4 aspect ratio, itâs a telltale sign to a user that itâs outdated and shouldnât be taken seriously.

Opt for a more modern 16:9 or even 4:3 aspect ratio to cater to the shape of most of todayâs widescreen devices.

Hereâs a helpful look at the most common dimensions:

Doing one thing in particular can help you out with all of this.

What Are The Most Important Social Networks For Each Niche

How to Remove Inquiries From a Credit Report

Like search, social networks offer a lot of opportunity for sites to grow their traffic.

Also like search, social networks can present a lot of risk.

For example, Facebook is now directly competing against the dating sites that used to spend millions on Facebook Ads .

More broadly, Facebook has continually reduced brands reach with their own followers, forcing them to either pay for advertising or lose most of their visibility.

And faster-growing social networks like Instagram, Snapchat and TikTok are designed from the ground up in a way that makes it difficult to drive traffic to external sites.

As a result, as you can see below, none of those three make it into the top 5 social networks for any niche in this study:

Expert reaction:

Recommended Reading: Does Opensky Help Build Credit

Website Traffic Bonus: Free Training From The Semrush Academy

The SEMrush Academy is perhaps the best free digital marketing training available anywhere. Learn how to boost your SEO with SEMrush tools and get tips from practicing experts in a series of free video lessons.

We especially recommend the Keyword Research Course with Greg Gifford.

SEMrush allows you to compare your traffic with competitors, research keywords, and do a host of other essential digital marketing tasks using an all-in-one marketing toolkit.

The 5g And 6g Future Of Mobile Broadband

It used to take hours to download the most straightforward app on your phone, but these days it only takes minutes. Depending on the type of mobile broadband, minutes can turn into seconds with just one generation worth of innovation. The jump from 4G to 5G was astounding, with 5G offering far faster speeds.

While 5G is still relatively new, 6G is already in development, and it promises to offer even faster speeds than 5G technology can.

Lets take a look at the future of 5G and 6G mobile broadband, as well as the connection speeds, spread, and global coverage of these promising networks.

Recommended Reading: How To Get Credit Report With Itin Number

Why Is It Important To Find Out Website Traffic

If you can find out how much traffic does a website gets in your industry, youll open a whole new box of information.

For instance, you can discover content topics that bring traffic to your competitors. You can then replicate those topics and create better content for your site.

And like we mentioned at the start, by analyzing website traffic of your competitors, you can get details about your industry, how other websites are able to attract users, what strategies theyre using, and how competitive is your niche.

But finding out how much traffic a site gets is easier said than done. Thats because no website will openly disclose their traffic.

This is where you can follow these ways

% Of Small Business Websites Lack A Call To Action On Their Homepage

How long does a “hard pull” affect your credit score?

What it means:

Believe it or not, users want to know what your website wants them to do. They may not always do it, but thatâs a different story.

Your website is a great credibility boosting tool that serves to inform users on your products or suite of servicesâbut most importantly, itâs your online point of sale.

If I get locked out of my house and I urgently search Google for âlocksmith near meâ, I need help right away. If a website lacks a clear way for me to immediately get in contact once Iâve briefly vetted the company, whatâs the point?

How to fix it:

A locksmith is an example of a commonly used service that requires immediate action, but even companies with a longer sales cycle can benefit immensely from having some sort of call to action on their homepage.

It tells users what you have to offer while making it as easy as possible to purchase a product or request a service.

The type of CTA you feature will depend on the type of business you run, but if your homepage lacks one, users will choose to go elsewhere.

Read Also: Cbcinnovis Credit Check

% Of Small Businesses Spend Less Than $500 On A Website

That statistic could come as a shockespecially when weve just shared that a professional agency can charge thousands of dollars for a design.

But its true: Over a quarter of small businesses have small budgets for their websites design. They spend less than $500, with freelancers or DIY website builders usually taking that investment.

Whats also true: Your competition probably spent less than $500 on their website and theyre paying for it .

Conversions Drop Up To 20% Per Second Of Site Load Time

When we say make sure your site loads fast, we mean a matter of milliseconds, not seconds. Each second spent loading means a significant number of missed opportunities to convert. This is even more evident in mobile users. A study from Google shows that when page load speeds go from one to 10 seconds, the probability of mobile users bouncing increases to 123%.

Read Also: Opensky Credit Card Delivery

Does Applying For Apple Card Affect Your Credit Score

Heads up! We share savvy shopping and personal finance tips to put extra cash in your wallet. iMore may receive a commission from The Points Guy Affiliate Network. Please note that the offers mentioned below are subject to change at any time and some may no longer be available.

Apple Card is poised to become the Apple Music of credit cards for anyone that has an iPhone – the service people sign up for by default since it’s built into the software. While Apple Card does bring solid rewards and impressive money management tools, it will also affect your credit report when you apply for it.

When you apply for a credit card, no matter who the card provider is with, the potential lender will request information from a credit bureau like TransUnion, Equifax, or Experian, to determine your creditworthiness. The request that they submit is results in either a soft or hard inquiry and gets recorded on your credit report.

Apple Card is handling this a little differently than most other credit cards. The industry norm is to record a hard inquiry whether you are approved or declined for a card. Apple and Goldman Sachs are going a different route. You will only be hit with a hard inquiry if you are approved and accept your Apple Card offer. Any other situation will only result in a soft inquiry on your credit. Soft inquiries have no impact on your credit score no matter where they come from or how many you get.

  • Payment history: 35%
  • Length of credit history: 15%
  • New credit: 10%


Most Popular