A soft pull, AKA a soft inquiry or soft credit check, is when you or someone you’ve authorized checks your credit report. They can also occur when a company (credit card issuer or mortgage lender) checks your credit for pre-approval. They don’t impact your credit scores because they aren’t attached to any specific application for credit.

1. How Does a Soft Pull Work?

A soft inquiry occurs if someone checks your credit report but you didn't submit a new application for credit, unlike a hard inquiry which occurs with a submitted application. Hard pulls stay on your credit report for two years, whereas soft pulls don’t impact your credit scores at all.

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