A “soft inquiry” on a credit report
It is also known as “soft pulls” or “soft checks,” doesn’t impact your credit score. Soft inquiries happen in various situations and do soft inquiries affect your credit?
- Checking your own credit report: Soft inquiries from self-checks don’t affect your credit score.
- Lenders or creditors pre-approval checks: Creditors might check your credit during pre-approval without affecting your score.
- Employers or landlords credit checks: Soft inquiries occur when employers or landlords review your credit for background checks or rental applications.
- Creditors or lenders account reviews: Existing creditors may periodically review your credit for account management without affecting your score.