This information was adapted for your use from this original article and includes my thoughts: Credit Karma Blog
So many people do not understand how credit works, or what can harm their credit. I've talked to people who were afraid to find out their own credit score or check their credit report because they didn't want to hurt their credit.
Thankfully, their ignorance about the differences between a 'hard inquiry' and a 'soft inquiry' of their credit are easy to fix. Sadly, that same ignorance can lead to problems if people don't learn and understand the differences and get the right information!
Let me be clear: You checking your credit report or score will NOT hurt your credit. There are many ways you can conduct such a 'soft' inquiry and get information. That is something I will talk about more in a different post.
There are also ways you can hurt your credit score, without meaning to in some cases. Conducting a 'hard' inquiry is always going to have some impact on your credit, and is something that should be done with care and with your direct involvement and permission.
How to minimize the impact of hard credit inquiries
If you have a lender pull your credit and then spend the next four months looking without making an offer, you'll end up having to go through the process again. So talk with your lender, talk with your realtor, and have a plan before you take the step!