When someone checks your credit report, it’s called an inquiry. Some inquires do not affect your credit, while others might.

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Soft Inquiries

Lenders do not see soft inquiries when they order your credit report. Soft inquiries include:

  • Pre-screened offers for credit
  • Account reviews by your existing lenders
  • Requests related to employment
  • Requests for insurance purposes
  • When you request your own credit report

Hard Inquiries

Hard inquiries typically come from a lender or other creditor who wants to check your credit report as a result of your loan application or request for credit, goods or services. These inquiries are shared with other lenders viewing the report and can have an impact on credit scores and lending decisions.