Question

whats a \hard inquiry\?
a the document that you must fill out when you apply for a loan.
b a note thats added to your bank account when youve withdrawn over your limit.
c a negative mark that appears on your credit score whenever you review your credit report.
d when a financial institution requests information about your credit history for the purpose of extending more credit.

Explanation:

A hard inquiry occurs when a financial institution checks your credit history for credit - extension purposes. Option A is a loan application form. Option B is an overdraft note. Option C is incorrect as hard inquiries are not just from credit report reviews.

Answer:

D. When a financial institution requests information about your credit history for the purpose of extending more credit.