Credit scores have always been somewhat confusing to figure out. It does not come as a surprise that consumers have misconceptions when it comes to what hurts and helps their scores. What many people don't realize is that some credit inquiries can hurt your credit score while others don't. Errors on credit report also affect credit scores, significantly affecting one's creditworthiness in the eyes of credit lenders. There are two types of credit inquiries when it comes to credit scores: hard and soft inquiries.