Consumer Comeback Blog

Credit Score Glossary: Soft Inquiry

Soft Inquiry: Also known as a ‘soft pull’, a credit report check that does not affect a borrower’s credit score.

Most times borrowers are not even aware of a soft inquiry to their credit report. Some examples of situations in which borrowers’ credit may have experienced a soft inquiry include offers in the mail for credit cards, mortgage lenders pre-approval for loans, and background checks by potential employers. Even when borrowers check their own credit score, it is considered a soft inquiry.