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What is a Soft Inquiry?

When a consumer or other party, such as a potential lender or employer, checks the consumer's credit report(s). Unlike a hard inquiry, which could lower the consumer's credit score by a few points, a soft inquiry does not affect a consumer's credit score.

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Financial Advisor Explaining Information to Couple

Thu Dec 15 2022

Hard vs Soft Credit Checks: What’s The Difference?

Applying for credit can be a daunting process. From finding the right credit card or auto loan to filling out a mortgage application and waiting for approval, obtaining new credit

A woman sorts through mail at her mailbox, perhaps looking at a pre-approved credit card offer letter. Seeing if you pre-qualify for a card is a different process.

Wed Aug 06 2025

Pre-Qualified vs Pre-Approved Credit Card Offers: What’s The Difference?

“Pre-qualified” and “pre-approved” are two common terms you’ve likely seen related to credit card offers. Here’s what they really mean, and what the differences are.

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