credit inquiry
Lender's background peek
A credit inquiry is a request to check someone's credit report, typically made by a lender, landlord, or employer evaluating an application.
Hard inquiries—from applying for credit cards or loans—can temporarily lower credit scores.
Soft inquiries, like checking your own credit or preapproval screenings, don't affect scores: I noticed several credit inquiries on my report after applying for mortgages.
- hard pullEffortful physical exertion
- FICOCreditworthiness rating system
- scoreNumerical standing in competition
- bureauOffice or furniture chest
- EquifaxConsumer credit monitor
Experian · TransUnion · application · approval · denial · lender · mortgage · loan · annual percentage rate · prequalify · preapproval · authorization · consent · monitoring · freeze · identity theft · dispute · decline
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