If a hard inquiry is the answer, consider whether it's worth that temporary ding on your credit score — especially if you're about to apply for a mortgage or car loan. (fidelity.com)
It's also important to remember that applying for a new credit card or loan is considered a hard inquiry, which can cause a slight, temporary ding to a person's credit score. (gobankingrates.com)
Honestly though, not paying federal taxes is a lot worse than a temporary ding on your credit score. (money.stackexchange.com)