Anytime you seek credit from a lender, that organization may perform a hard credit inquiry to assess your record as a borrower. A hard credit inquiry shows up on your credit report and can affect your credit score; A hard credit inquiry can stay on your credit report for up to two years. It’s important to keep new applications for credit to a minimum in order to maintain strong credit. Please only submit your formal loan application to Atmos if you would like to move forward with an Atmos solar loan.