Soft Credit Pulls

A soft credit pull, also known as a soft inquiry or soft credit check, is a type of credit inquiry that does not impact your credit score. A soft pull can be performed by a person or company to check your credit report for informational purposes, such as when you check your own credit score or when a lender pre-approves you for a loan. Soft pulls can also be used by employers, landlords, or insurance companies to verify your identity or assess your creditworthiness.

Soft pulls typically only show limited information from your credit report, such as your credit score and some of your credit history. They do not show detailed information, such as account numbers or payment history. Soft pulls are different from hard pulls, which are credit inquiries that can impact your credit score and are typically performed by lenders when you apply for credit, such as a mortgage or car loan.

The main difference between a soft pull and a hard pull on your credit bureau is that a soft pull does not affect your credit score, while a hard pull can have a temporary negative impact on your score.

Key differences between soft pulls and hard pulls:

Soft Credit Pull:

  • Typically does not affect your credit score
  • May be performed without your knowledge or consent
  • Examples include pre-approval offers, personal credit checks, and background checks
  • Shows limited information from your credit report

Hard Credit Pull:

  • Can have a temporary negative impact on your credit score
  • Requires your consent, and is usually performed when you apply for credit
  • Examples include mortgage applications, credit card applications, and auto loans
  • Shows detailed information from your credit report, including your payment history, account balances, and credit utilization


It’s important to keep in mind that too many hard pulls within a short period of time can lower your credit score, so it’s a good idea to limit the number of hard pulls on your credit report. Soft pulls, on the other hand, do not affect your credit score and can be useful for checking your credit score or for informational purposes.
soft credit pull