What company is best for soft pull credit reports?

But two different types of credit checks can be performed: a “soft inquiry” or a “hard inquiry.” The Fair Credit Reporting Act places restrictions on exactly when and why credit reports may be pulled. The primary hallmark of a soft inquiry or soft pull is that it does not adversely affect your credit score; a hard inquiry will. read more

A soft inquiry, sometimes referred to as a soft pull, is made on your credit report whenever you check your credit report, a business checks your credit report for promotional purposes, or a business you already have an account with checks your credit report. For example, a credit card company may request your credit report to decide whether to send you a pre-approved credit card offer. read more

On a credit report, when a third party looks at your credit score, this is called an inquiry. All inquiries, however, are not created equal. Some hurt your credit score, and some do not. An inquiry known as a soft inquiry does not affect your credit report, but a hard pull does. Hard Credit Inquiry. A hard pull on a credit report is different. read more