6 credit report score killers
Your credit report will tell you who else has been viewing your credit report. Hard inquiries are when you have actually requested new credit -- filled out an application, signed paperwork, etc. -- and asked a lender to check your history. When you get a hard inquiry, your credit can take a small dip. Hard inquiries could affect your score for one year, but you'll see them on your report for two years.
Soft inquiries are what credit bureaus put on your report when someone reviews your credit file but you haven't asked for new credit. If you pull your own credit report, that's a soft inquiry.