· A “credit pull” or “hard inquiry” is a formal request to review a person’s credit report. It requires the permission of the consumer. This is different from the “soft” inquiry in which a company might get a list of consumers who fit a certain profile and use that information to market to them.
In terms of the information available on the report there isn’t a difference between a hard and soft credit check. Doing a hard pull when you request credit is part of the lender’s agreement with the credit reporting agency. The purpose is to allow lenders.
Read on to learn the difference between hard and soft credit inquiries and how each can effect your credit score for a mortgage, car loan or credit card. What Are Hard and Soft Credit Inquiries? Let Us Explain!
Lenders may also use soft inquiries to preapprove you for a credit card or loan.. The Difference Between Hard and Soft Credit Inquiries. like when you check your credit score or a mortgage.
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The good part is that these soft credit checks, unlike hard credit inquiries, are harmless in terms of its potential negative impact on your credit report history or FICO credit score. Alskar says: September 13, 2009 at 1:31 pm. liberty mutual did a HARD credit pull when I asked them for a quote on my home and automobile insurance.
It’s easier to get a loan: Most people know that bad credit can make it hard to get a mortgage, a credit card, or an installment loan. And even if you can get a creditor to give you a chance, you’ll probably be paying a much higher interest rate than you would if you had a good credit score.