These happen every time you agree to look to obtain credit. But there is a big difference between a Hard Inquiry and a Soft Inquiry.
A hard inquiry happen’s when you open a bank account, a credit card, an auto loan etc.
A soft inquiry is when you search your credit history personally, or I help you obtain an report without “inquiring for credit”.
Note: Equifax and Transunion view credit inquiries for different types of credit within the similar time frame as a major red flag that will impact your score. If you are shopping for a mortgage, don’t shop for a Hot Tub or Auto Loan during this period, it could affect your approval!