Hard Pull vs. Soft Pull What Credit Inquiries Really Mean

Are you planning to apply for a loan or credit card? Before you proceed, it's important to understand how credit inquiries affect your score. Our content on Soft Pull vs. Hard Pull: Credit Check Differences Explained gives you clear insights into how these two types of credit checks work.

A soft pull is a non-intrusive inquiry that won’t impact your credit score. It usually occurs when you check your own credit report, receive pre-approval offers, or during background checks by employers. On the other hand, a hard pull is triggered when you apply for credit, such as a mortgage, car loan, or credit card. This type of inquiry can lower your credit score and remains on your report for up to two years.

Understanding this difference helps you make smarter financial choices and avoid unnecessary damage to your credit profile.