I had a bank employee tell me recently that if I wanted more info on the loan I was looking at, they would need to do a hard pull on my credit, and that it would be a 10% hit on my credit score. I'm not sure she was right, but I'm not willing to test that lol. I told her thanks for what info she could give me without the credit check, and then made a mental note to see how much a hard pull would actually affect my score by researching online, without doing one until I had to.