<prompt> Human: I was looking at cars and someone gave me this advice and I thought it was worth sharing. EVERY DEALER tried to tell me, dont keep shopping around, it hurts your credit!  <response>: Youre only half-right. All inquiries will show up as separate hard pulls, regardless of the type or time frame. Certain types of credit applications will affect your FICO score less if within 45 days auto loans and mortgages, mainly, since its pretty obvious youd want to search around a little for the best rates. These will affect your score less, but will still show on your report as separate pulls. Credit card inquiries will be counted as separate pulls and will not have a diminishing affect on your score, unless its with the same bank on the same day, in which case theyll only pull your credit once. Note that some banks will still pull two inquiries and they will count as separate hard pulls. Id so some reading on the FAQ and wiki, it goes into detail on what affects your credit score. 