Hard vs Soft Inquiries: Different Credit Checks - TransUnion
Credit Checks 101: Understanding Inquiries and Your Score Credit checks, often called , are formal requests to review your credit history. They allow lenders, landlords, and even employers to assess your financial reliability by looking at your past behavior.
Understanding the difference between the two main types of inquiries— and soft —is essential for protecting your credit score. 1. Hard Inquiries (Hard Pulls)
Soft inquiries happen when your credit report is checked for reasons not related to a formal credit application.