A hard inquiry shows up when you formally apply for credit and the lender pulls your file at Buró de Crédito (Mexico's credit bureau) — it drops your score 5-15 points temporarily and stays visible for 24 months. A soft inquiry is informational only (pre-qualification, your own check) and doesn't affect your score or show up to other lenders. Comparing offers on sites like this one does not trigger a hard inquiry.