As you probably know, many, most or all financial institutions do hard pulls when you open various types of accounts with them, even if it is just a savings account and you are not requesting any credit. That sucks for my credit score because I open a lot of accounts for various reasons. Recently, this happened to me not once, but twice through a credit union I have an account at. They did one credit pull when I opened my initial accounts and another one when I added another account online. The second one was not necessary, but because of a system glitch they have it happened anyway. I am thinking about asking them to remove the second one, but don't want to bother depending on the answer to this question: How long does a hard credit pull affect your credit score? If it is say, less than a year, I probably won't bother. But if this has a long term negative impact on my score, no matter how small, I will have to try to get them to remove it.... something I am guessing I can get them to do, but I am not looking forward to since I am sure it will be a huge hassle. So that is my question ... How long does a hard credit pull affect your credit score? Does anyone know this? Thank you for any help.