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What is a Soft Credit Pull?

What is a soft credit pull?

A soft credit pull will not affect your credit at all and they will not be visible to other people who are pulling your credit. You’ll want to try to make sure that applications for savings accounts or certificates of deposits do not require a hard credit pull because that can hurt your overall credit score.

These “soft pulls” typically occur when applying for a new job, new apartment, etc. You may also make these soft pulls yourself which should give you an accurate calculation of your current credit standing. One thing to be aware of is that these pulls can be generated by credit card companies whom issue you “pre-approved” credit cards.

Always be wary of anyone giving you credit history forms to fill out and be sure they give you an exact response as to what type of credit check will be conducted. In most cases, you’ll want to try to avoid hard credit pulls whenever possible.

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  1. What is a Hard Credit Pull?

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