{"id":331,"date":"2024-10-31T15:34:13","date_gmt":"2024-10-31T15:34:13","guid":{"rendered":"https:\/\/www.giftedfinancialservices.com\/blog\/?p=331"},"modified":"2025-02-14T13:00:43","modified_gmt":"2025-02-14T13:00:43","slug":"hard-credit-inquiry-vs-soft-credit-inquiry","status":"publish","type":"post","link":"https:\/\/www.giftedfinancialservices.com\/blog\/hard-credit-inquiry-vs-soft-credit-inquiry\/","title":{"rendered":"Hard Credit Inquiry Vs. Soft Credit Inquiry &#8211; What They Are And Why They Matter"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Inquiries are entries that show on your credit report when a legally authorized organization or person accesses your information. These inquiries fall into two categories: hard and <\/span><span style=\"font-weight: 400;\">soft credit check<\/span><span style=\"font-weight: 400;\">. While both of these inquiries have some things in common, some major differences set them apart. Let us see the differences in their purposes and how they impact your credit.<\/span><\/p>\n<p style=\"text-align: center;\"><iframe loading=\"lazy\" title=\"\" src=\"https:\/\/www.youtube.com\/embed\/AWD4xOv9DJY\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><br \/>\nPowered by <a href=\"https:\/\/youtubeembedcode.com\">how to embed youtube video<\/a> and <a href=\"https:\/\/casinomga.se\/\">nya mga casino<\/a><\/iframe><\/p>\n<h2><b>Hard Vs Soft Credit Check<\/b><b> | Here\u2019s What You Need To Know<\/b><\/h2>\n<h3><b>What Is A Hard Credit Inquiry?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">credit hard inquiry<\/span><span style=\"font-weight: 400;\">, also known as a hard pull or hard inquiry, occurs when a creditor accesses your credit files to review your creditworthiness and potentially approves you for a credit card, line of credit, or loan. Based on the type of credit and the lender, they might view your credit reports from the three major credit bureaus (Equifax, Experian, and TransUnion). The most common situations in which you can expect a <\/span><span style=\"font-weight: 400;\">hard inquiry on credit score<\/span><span style=\"font-weight: 400;\"> include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Applying For A New Credit Card:<\/b><span style=\"font-weight: 400;\"> Every card application will most likely end up in a hard inquiry.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>Purchasing or Leasing A Car: <\/b><span style=\"font-weight: 400;\">Whether you are leasing a car, applying for a dealership to buy a car, or taking out a loan from a bank, you can expect a <\/span><span style=\"font-weight: 400;\">hard inquiry credit score<\/span><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Buying A House: <\/b><span style=\"font-weight: 400;\">When you apply for a mortgage, your lender will initially perform a hard check on your credit, then again prior to closing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Applying For A Personal Loan: <\/b><span style=\"font-weight: 400;\">Similar to other lenders, personal loan lenders will do a hard credit check when you apply for the loan formally.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>Applying For A Private Student Loan: <\/b><span style=\"font-weight: 400;\">If you are applying for private student loans, lenders will likely run <\/span><span style=\"font-weight: 400;\">loan credit checks<\/span><span style=\"font-weight: 400;\"> to assess your creditworthiness. The same is true if you apply for a federal direct PLUS loan or parent PLUS loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00a0<\/span><b>Requesting A Credit Line Increase: <\/b><span style=\"font-weight: 400;\">If you ask your card issuer to elevate your credit limit, it might run a hard check to identify your eligibility.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Renting Or Leasing An Apartment: <\/b><span style=\"font-weight: 400;\">It could be either a soft or hard pull. To be sure, you need to check with the leasing company or your landlord.<\/span><\/li>\n<\/ul>\n<h3><b>How long does a <\/b><b>hard credit pull<\/b><b> stay on your credit report?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Hard inquiries stay on your reports for more than two years, but as long as you keep up with your debt payments, your scores often ricochet from an inquiry within a few months. Moreover, a lot of <\/span><a href=\"https:\/\/www.giftedfinancialservices.com\/credit-breeze\"><span style=\"font-weight: 400;\">credit score monitoring services<\/span><\/a><span style=\"font-weight: 400;\"> no longer count a hard pull in score calculations at all after a year. According to FICO, one hard pull typically reduces the score by less than five points. However, repeated inquiries in a shorter span of time might result in a <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.giftedfinancialservices.com\/blog\/how-to-fix-a-bad-credit-score\/\">bad credit score<\/a>.<\/span><\/p>\n<h3><b>What Is A Soft Credit Inquiry?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Soft pull credit cards<\/span><span style=\"font-weight: 400;\"> appear on your reports when someone runs a credit check for reasons that are not related to lending you money. A soft credit check or <\/span><span style=\"font-weight: 400;\">soft credit pulls<\/span><span style=\"font-weight: 400;\"> can happen due to a number of different reasons, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Checking Your Own Credit: <\/b><span style=\"font-weight: 400;\">Checking your own <\/span><a href=\"https:\/\/www.giftedfinancialservices.com\/blog\/what-are-the-different-credit-score-ranges\/\"><span style=\"font-weight: 400;\">credit score ranges<\/span><\/a><span style=\"font-weight: 400;\"> on reports results<\/span><span style=\"font-weight: 400;\">\u00a0on reports results in <\/span><span style=\"font-weight: 400;\">soft pull credit reports<\/span><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan Prequalification: <\/b><span style=\"font-weight: 400;\">Few lenders might perform a soft pull if you seek loan prequalification and, in some cases, preapproval as part of the rate-shopping process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Promotional Offers: <\/b><span style=\"font-weight: 400;\">A company might <\/span><span style=\"font-weight: 400;\">soft check credit score<\/span><span style=\"font-weight: 400;\"> to verify whether you qualify for a promotional offer or not. This process is also known as pre-screened offers.<\/span><b><\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Employment Background Checks: <\/b><span style=\"font-weight: 400;\">In many cases, employers also perform soft pulls as a routine part of their pre-employment screening process.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Requesting Utilities: <\/b><span style=\"font-weight: 400;\">If you apply to set up a service at a new address, the utility companies might review your <\/span><span style=\"font-weight: 400;\">soft credit score<\/span><span style=\"font-weight: 400;\"> to decide whether you need to make a deposit.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Renting Or Leasing An Apartment: <\/b><span style=\"font-weight: 400;\">This can be a soft or hard pull. So, we suggest it would be best if you contact the leasing company or your landlord to know for sure.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Buying Insurance: <\/b><span style=\"font-weight: 400;\">In many states, homeowners and auto insurance companies run a soft credit check to estimate your credit-based insurance score. This might impact your premium. However, we suggest you <\/span><a href=\"https:\/\/www.giftedfinancialservices.com\/blog\/how-to-improve-your-credit-score\/\"><span style=\"font-weight: 400;\">improve your credit score<\/span><\/a><span style=\"font-weight: 400;\"> so that these checks do not harm your scores more than what you can manage.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Account Servicing: <\/b><span style=\"font-weight: 400;\">Some credit card companies might occasionally run <\/span><span style=\"font-weight: 400;\">soft inquiry credit cards<\/span><span style=\"font-weight: 400;\"> on existing clients to check whether to adjust their account terms, such as a credit limit decrease or increase, to check if they qualify for a promotional offer.<\/span><\/li>\n<\/ul>\n<h2><b>When Do Inquiries Fall Off<\/b><b> | How Long Do Soft Inquiries Stay On Your Credit Report?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Similar to hard inquiries, soft inquiries stay on your reports for up to two years. However, because they are not linked to an application for a loan or a credit decision, they are not related to greater repayment risk, and thus, they have no impact on <\/span><a href=\"https:\/\/www.giftedfinancialservices.com\/blog\/what-is-my-credit-score\/\"><span style=\"font-weight: 400;\">my credit score<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Soft VS Hard Credit Check<\/b><b> | What Sets Them Apart<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Here is a quick review of how hard credit checks differ from soft credit checks. And, if you were wondering, \u201c<\/span><span style=\"font-weight: 400;\">When do inquiries fall off<\/span><span style=\"font-weight: 400;\">,\u201d then read on, as everything is covered below.\u00a0<\/span><\/p>\n<h3><b>Soft Credit Check<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\">Stays on your credit reports for up to two years.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">It may not need your permission.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">This might happen for a number of reasons.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">This might happen for a number of reasons.<\/span><\/li>\n<\/ul>\n<h3><b>Hard Credit Check<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\">Stays on your credit reports for up to two years.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">It needs your permission.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Typically, this happens only when you apply for credit.<\/span><\/li>\n<li>It can temporarily lower your credit score.<\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Frequently Asked Questions (FAQs)<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Does my credit score drop if I check it?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Checking your own scores is considered a soft inquiry. And a soft pull would not affect your scores. There are other types of soft inquiries that also do not affect your scores and many types of <\/span><span style=\"font-weight: 400;\">hard pull credit<\/span><span style=\"font-weight: 400;\"> that might.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How much does your credit drop when it&#8217;s checked?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A hard credit pull might lower your scores by as much as 10 points, even though, in a lot of cases, the damage probably would not be that significant.\u00a0<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">How long do <\/span><span style=\"font-weight: 400;\">soft credit pulls<\/span><span style=\"font-weight: 400;\"> stay on your credit report?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Similar to a <\/span><span style=\"font-weight: 400;\">credit hard inquiry<\/span><span style=\"font-weight: 400;\">, soft inquiries stay on your reports for up to two years. However, because they are not linked to an application for a loan or a credit decision, they are not related to greater repayment risk, and thus, they have no impact on my credit score.<\/span><\/p>\n<h2><b>Summing It All Up!<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Your credit report is a document that constantly keeps on changing. Whether you are working to improve your scores or merely striving to maintain the progress you have made already, it is necessary that you check your credit regularly. With free <\/span><span style=\"font-weight: 400;\">credit score services<\/span><span style=\"font-weight: 400;\"> that you can get from providers like Gifted Financial Services, it will be easier for you to track your progress and get insights about your credit health. <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Inquiries are entries that show on your credit report when a legally authorized organization or person accesses your information. These inquiries fall into two categories: hard and soft credit check. While both of these inquiries have some things in common, some major differences set them apart. Let us see the differences in their purposes and [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":332,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-331","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-articles"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hard Credit Inquiry Vs. Soft Credit Inquiry - Why They Matter?<\/title>\n<meta name=\"description\" content=\"Confused about hard credit inquiries vs. soft credit inquiries? 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