Soft Credit Inquiry
A soft credit inquiry, also known as a soft pull, is a credit inquiry that does not impact your credit score.
Soft inquiries are typically made by lenders or financial institutions to check your credit report for pre-approval offers, employment verification, or to monitor your creditworthiness.
They may also be initiated by you, such as when you check your own credit report or when a company checks your credit report as part of a background check.
Soft inquiries do not require your permission and can be performed without your knowledge.
They are recorded on your credit report but do not affect your credit score.
Additionally, they are not visible to other lenders or creditors and do not affect your ability to obtain credit in the future.