What’s the Difference Between Hard and Soft Credit Inquiries? – HUNT Mortgage

Here’s the scoop: Whether or not a credit check has the potential to damage your credit scores comes down to one key piece of information – is the credit inquiry hard or soft?

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What’s the difference between "soft and hard" credit inquiries? You may often see credit inquiries referenced as hard or soft inquiries and wonder what that means. Whenever you apply for credit, the lender will pull your credit report(s) and credit score. lenders use this information to help them decide.

However, not all credit inquires are created equal because there are 2 main types: hard and soft inquiries. Hard credit inquiries can hurt your credit and remain on your credit report for 2 years. They happen when you apply for a new credit account, such as a credit card, car loan, or mortgage.. So the fewer hard inquiries on your credit history, the better.

Although credit pulls haunt your credit reports for two years, it’s not as bad as it sounds. The FICO score only considers inquiries within the last 12 months, and even then, pulls make up less than 10 percent of your score. According to a FICO senior scientist, each separate hard pull.

Knowing the difference between a hard and soft inquiry of your credit history can help prevent a sudden drop in your credit score, which can make all the difference if you’re in the market for a car loan, mortgage, looking to lease a new apartment or even applying for a new credit card.

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