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

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

A hard credit inquiry is when a lender pulls your credit report because you’ve applied for new credit, such as a credit card, a car loan, a home loan or an increase to an existing line of credit. Hard credit inquiries can affect your credit score (the most common is your FICO® score) because seeking new credit can.

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A hard inquiry is typically recorded on your credit report whenever a lender reviews your credit when you apply for a credit card, loan or mortgage. However, if you apply to rent an apartment or apply for a job and there’s a subsequent credit check, these may be counted as hard inquiries, depending on who’s checking your credit.

 · Here’s the Difference Between Hard and Soft credit checks. credit card issuers— Always on the hunt for new customers, these purveyors of plastic have soft.

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A soft inquiry occurs in cases where you check your own credit or when a lender or credit card company checks your credit to pre-approve you for an offer. Soft inquiries do not appear on your credit report and do not impact your credit scores .

 · Types of Credit Inquiries. A hard credit inquiry occurs when a potential lender examines your credit report and uses that information to decide whether to extend an offer for credit. For instance, if you apply for a home mortgage or a car loan, your lender will make a hard inquiry of your credit to help determine if you qualify for the loan.

However, not all credit inquires are created equal because there are 2 main types: hard and soft inquiries. hard credit inquiries can hurt your credit and remain on your credit report for 2 years. They happen when you apply for a new credit account, such as a credit card, car loan, or mortgage.. So the fewer hard inquiries on your credit history, the better.

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