For example, for credit cards, loans, current accounts or for products and services for which a provider makes a financial advance payment. These enquiries are stored for twelve months and are included in the score calculation.
The logic behind this is backed up by statistics. The more enquiries for credit made by one person, the higher their need for finance usually is. Consequently, the risk that they cannot meet their payment obligations in full rises.
However, it is imperative to differentiate between credit enquiries and conditions enquiries. With conditions enquiries you simply compare different financing offers on the market. These are not taken into account in scoring, of course.