Onlyt credit accounts are reported to a credit bureau and ALL inquiries (hard and soft) will look at the balances on these credit accounts. Your current accounts (checking, savings, CDs, IRAs, etc.) are not reported to credit bureaus (they are not credit) so a lender will not see them on your credit bureau account. However, if you are applying for a large enough credit line, you may be required to provide your latest statement or a release allowing them to pull the latest information. If your accounts have only small balances, you might want to build up those balances.