What Is a Soft Credit Inquiry?
A soft credit inquiry, or soft pull, is a credit check that does not affect credit scores. Examples include checking your own credit, pre-qualification and pre-approval offers, and some background or account-review checks by existing lenders. Soft inquiries are visible only to you on your credit report.
Soft vs. Hard Inquiries
A hard inquiry occurs when you actually apply for new credit and can affect your score; a soft inquiry does not.
Pre-Qualification
Many lenders use a soft pull to show estimated rates before you apply.
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🔗 Related Terms
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Last updated: September 29, 2026. This definition is for general educational purposes only. It is not financial, investment, tax, legal, or medical advice, and it does not recommend any product or course of action. For decisions about your own situation, consult a qualified professional.