What Is a Soft Credit Check?

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A soft credit check is a type of inquiry that doesn't affect your credit score. It happens when you check your own credit, or a lender pulls your credit when deciding whether to issue you a preapproval offer.

Key Takeaways

  • A soft credit check is a type of inquiry that does not hurt your credit score.
  • These credit inquiries are usually unrelated to a loan or credit application.
  • Common soft inquiries involve credit card pre-approvals, employers, landlords, and any time you pull your own credit report.

Definition and Examples of a Soft Credit Check

Whenever a business checks your credit, an inquiry is placed on your report. Credit bureaus are required to track these inquiries in compliance with the Fair Credit Reporting Act, which gives you the right to know who is looking at your credit history.

When you check your credit report, you will see a list of these inquiries toward the end of your report. While all of the inquiries appear in a list together, they are actually divided into two types of credit checks: hard inquiries and soft inquiries.

A soft inquiry, sometimes referred to as a "soft pull," is made on your credit report whenever you check your credit report, a business checks your credit report for promotional purposes, or a business you already have an account with checks your credit report.

  • Alternate names: Soft credit inquiry, soft credit pull


Many soft inquiries are made without your permission. Fortunately, they do not affect your credit score, no matter how many of them appear.

How a Soft Credit Check Works

Soft inquiries usually occur when someone checks your credit report for a reason that's unrelated to an application for new credit. For example, this could happen when you're applying for an apartment, if your landlord wants to make sure you have a reliable payment history. A credit card company might make a soft pull when it wants to pre-approve you for a new card offer. A new employer might ask permission to check your credit if you'll be responsible for finances in the business. Each of these events would usually result in a soft inquiry.

Soft inquiries get these companies the information they need, but they can't be used to give you official approval for a loan. For that, they'll need to make a hard credit check.

Soft Inquiries vs. Hard Inquiries

 Soft Inquiries  Hard Inquiries
For reasons unrelated to new credit applications For approval of new loans or lines of credit
Do not affect your credit score Make up 10% of your credit score
Only visible to you, and not others, when checking your credit report Stay on your credit report for two years

Credit bureaus place hard inquiries on your credit report whenever a business checks your credit report to approve your application for a credit card, loan, or another credit-based service. Along with new credit accounts, hard inquiries count for 10% of your credit score. While they will stay on your credit report for two years, their impact on your score will gradually decline.

Credit bureaus usually count multiple hard inquiries for loans within a short time period as one inquiry. That makes it possible for consumers to shop for the best loan without dinging their credit score multiple times.

Occasionally, a business will check your credit report for reasons other than to grant you credit. For example, rental car companies sometimes check credit if you are not using a major credit card. If you have questions about whether an inquiry will be hard or soft, you can ask the company that is pulling your credit report.


If you are trying to maintain a good credit score—and especially if you are planning to apply for a major loan soon—it's best to minimize hard credit inquiries.

How Soft Inquiries Affect You

Not only do soft inquiries not affect your credit score, they're not even visible to lenders when they check your report. They're only visible to you when you pull your own credit report.

Keep in mind, though, that if you pull a copy of your credit report and provide it to a business to review, the soft inquiries will appear, since it is your version of your credit report.

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The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. myFICO. "Credit Checks: What Are Credit Inquiries and How Do They Affect Your FICO Score?"

  2. Federal Trade Commission. "Free Credit Reports."

  3. Experian. "Hard vs. Soft Inquiries on Your Credit Report."

  4. Experian. "What Is a Soft Inquiry?"

  5. Experian. "What Affects Your Credit Scores?"

  6. Equifax. "Will Checking Your Credit Hurt Credit Scores?"

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