soft inquiry
No-impact credit peek
A soft inquiry is a credit check that doesn't affect a credit score, typically occurring when someone checks their own credit, when lenders prescreen for promotional offers, or during background checks: Checking your own credit report is just a soft inquiry.
Contrast with hard inquiry, which occurs when applying for credit and may temporarily lower the score.
- credit checkExamination of payment history
- pullForce toward oneself
- credit scoreNumerical measure of borrower reliability
- scoreNumerical standing in competition
- preapprovalAuthorization before final commitment
background · screening · gentle · harmless · peek · bureau · loan · mortgage · application · prequalify · FICO · credit report · report · credit bureau · footprint · trace · invisible · preliminary