What’s the Difference Between Hard and Soft Credit Inquiries? – HUNT Mortgage

There are two types of credit check – a soft credit check (or soft search) and hard credit check (or hard search). What is a soft credit check? A soft credit check is usually a background check that happens when a person or company checks your credit without your permission. This could be because they want to see if you qualify for certain offers.

 · An inquiry is when an a party pulls (or retrieves) your credit report for review. There are two different kinds of inquiries or “pulls”: soft pulls and hard pulls. What’s the difference between a hard and soft pull? A soft pull is an inquiry that does not do damage to your credit score. It can be performed even without your permission.

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The FCRA does not expressly create a distinction between "hard" and "soft" credit inquiries or pulls. Rather, consumer reporting agencies classify every user’s request to see a consumer report as either a "hard" or "soft" credit inquiry, depending on the type of inquiry made by the requesting party.

The question is, do you know how to tell the difference? The answer comes down to the difference between hard and soft credit inquiries. Soft and Hard Credit Inquiries: The Basics. The term "inquiry" describes the event that occurs whenever some party is granted access to one or more of your credit reports.

A hard inquiry is an inquiry that occurs when a prospective lender checks your credit report to make a lending decision. Hard inquiries can slightly lower your credit score and will typically stay.

Sometimes applying for several different credit cards, for example, in a short amount of time can have a negative effect on a credit score; however, not every inquiry has the same impact on your credit score. Inquiries fall into two categories: hard and soft. 1. What’s a hard credit inquiry? Hard credit inquiries can impact your credit score.

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Read on to learn the difference between hard and soft credit inquiries and how each can effect your credit score for a mortgage, car loan or credit card. What Are Hard and Soft Credit Inquiries? Let Us Explain!