Soft Inquiry

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DEFINITION of 'Soft Inquiry'

A credit report check that does not affect an individual's credit score. A soft inquiry, also called a soft pull, occurs when an individual checks his or her own credit report, which she might do to make sure it contains no errors or fraudulent activity or to check her score before applying for a major loan like a mortgage. Credit checks by employers are also treated as soft inquiries and do not affect an individual's credit score.

INVESTOPEDIA EXPLAINS 'Soft Inquiry'

There are two types of credit report inquiries: hard and soft: Hard inquiries, also called hard pulls, occur when an individual applies for credit by filling out a credit card application, applying for a mortgage, applying for an auto loan or any number of other activities. Several of these types of inquiries can sometimes temporarily lower an individual's credit score because the credit bureaus see a consumer's recent applications for new credit as a potential risk factor.

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RELATED FAQS
  1. Does every inquiry affect a credit score?

    Not every inquiry affects a credit score. However, there are instances when certain types of inquiries do affect the score, ... Read Full Answer >>
  2. Does shopping for the best interest rate affect my credit score?

    Shopping for interest rates does not necessarily affect a person's credit score. When a borrower submits an application to ... Read Full Answer >>
  3. Do inquiries for preapproved offers affect my credit score?

    Inquiries for a preapproved offer do not affect a credit score unless a person follows through with the actual application. ... Read Full Answer >>
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