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What is a soft credit check

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Hard vs. Soft Inquiries

When you personally initiate a review of your credit report, this creates a hard inquiry. This would occur if you apply for a loan, a credit card or a mortgage and authorize the lender to look into your borrowing history. It all comes down to who prompted the check -- you or someone unbeknownst to you, such as lenders who dangle the carrot of a preapproved loan. Inquiries from potential employers also are soft checks, even if you prompted the inquiry by applying for a job. You didn’t apply for credit, so they don’t count.



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