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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Does a Credit Check Show Previous Jobs. "Soft" Checks. Every time an organization other than a lender checks on a person's.

The best way to check your credit is to obtain copies of your credit reports showing your. The Best Way to.

. a soft inquiry has no affect on your credit score and does not show up when your credit report is.

Source: ehow.com

Category: Credit

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