When a potential creditor looks at your credit reports to help them make a lending decision, it is considered an inquiry. But how they look at it—with a “hard inquiry” or “soft inquiry” (aka “hard pull,” “soft pull”)—could have an effect on your credit score.
About the author:
Sean P. EgenAfter realizing he couldn’t pay back his outrageous film school student loans with rejection notices from Hollywood studios, Sean focused his screenwriting skills on scripting corporate videos. Videos led to marketing communications, which led to articles and, before he knew it, Sean was making a living as a writer. He continues to do so today by leveraging his expertise in credit, financial planning, wealth-building, and living your best life for Credit One Bank.
Wed Aug 06 2025
“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.
Mon Apr 02 2018
If you’ve ever read a credit card or loan application, you probably encountered more than a few words that seemed to be written in a separate language. Credit terms can be
Sat Feb 15 2020
Your credit reports contain useful information that paints a picture of your “creditworthiness.” But, like any type of report, credit reports don’t tell a reader the complete
