1. Soft hit: When you open a bank account, the bank may want to see your credit rating. But this is a soft hit. Also, if you want to know your credit report and you file a request to the credit beaureu, that will be a soft hit.
2. Hard hit: When you buy mortage from a financial institution, they will give a hard hit on your credit, checking everything detail of your financial status, like how many bank accounts you have and the balance as of the day they perform the hard hit, etc.
Soft hits are OK but it is definitely bad to have too many hard hits during a very short period of time. So, checking your credit history or opening some bank accounts will not affect your credit rating.
2. Hard hit: When you buy mortage from a financial institution, they will give a hard hit on your credit, checking everything detail of your financial status, like how many bank accounts you have and the balance as of the day they perform the hard hit, etc.
Soft hits are OK but it is definitely bad to have too many hard hits during a very short period of time. So, checking your credit history or opening some bank accounts will not affect your credit rating.