Quick Answer
Soft inquiries occur when credit is pulled without a lending decision - by the consumer, for pre-approvals, or for account reviews - and do not affect credit scores.
Key Takeaways
- Soft pulls are visible to the consumer but not to lenders.
- Self-checks are always soft.
- Pre-approval inquiries are typically soft.
When in Doubt
Asking the lender in advance whether a pull is hard or soft is the most reliable way to know.
Frequently Asked Questions
Can I check my own credit without hurting my score?
Yes - consumer self-checks are always treated as soft inquiries.