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

This can include mortgages, student loans, credit card, personal loans, or even auto loans. The key to understanding the main difference between a hard and soft inquiry is that hard inquiries could lower your credit score. hard inquiries will be visible to all lenders.

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A hard inquiry is triggered when you apply for credit, such as a mortgage or auto loan. This inquiry becomes part of your credit report, meaning anyone else who does a hard or soft pull will see the inquiry. A hard inquiry may shave up to 5 points off your FICO score.

When any person or company pulls your credit, a record of the inquiry is kept on your credit report. The record lists the date of the inquiry, and the name of the inquiring party. An individual soft credit check does not affect your credit report, but a hard credit check might. Here’s what you need to know.

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Soft inquiries are reviews of your credit report that do not impact or change your credit score. They are only visible to you and do not appear on credit reports pulled by lenders, employers or other third parties. soft inquiries include inquiries by lenders who are monitoring an existing account,

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What’s the difference between "soft and hard" credit inquiries? You may often see credit inquiries referenced as hard or soft inquiries and wonder what that means. Whenever you apply for credit, the lender will pull your credit report(s) and credit score. Lenders use this information to help them decide.

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Here’s the scoop: Whether or not a credit check has the potential to damage your credit scores comes down to one key piece of information – is the credit inquiry hard or soft?

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.