Soft searches don’t affect your credit score and therefore do not impact your ability to get credit. On the other hand, hard searches, or hard inquiries, occur when you apply for credit and can temporarily lower your credit score.
Articles in this section
- Handling a Loved One’s Credit Report After They Pass Away
- How does opening a new account affect my credit score?
- What is a soft search?
- How do soft searches differ from hard searches?
- Who can perform a soft search?
- What are hard inquiries?
- What is a credit report and where do you get mine from?
- What information is in your credit report?
- How long does information stay in my credit report?
- What are 'Insights'?