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How to distinguish hard and soft checks in a credit report

Submitted by LWenda on Mon, 09/23/2019 - 22:12

How can I distinguish between a hard check and a soft check in the credit report? is it mentioned in the report?

Soft checks don't appear on your credit report and eventually, your credit score won't be affected.
But to make a hard check of your credit report, you have to give consent to it. Besides, a hard check will appear on your credit report and may slash your FICO score by 5 points!

Submitted by Craigh.terry on Tue, 09/24/2019 - 02:45


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Soft check is triggered when you pull a copy of your credit report. Hard check or hard inquiry is triggered when a creditor or a lender checks your credit report. They usually do that when you apply for a credit card or a loan.

Submitted by Nick Jonas on Wed, 09/25/2019 - 21:55

Nick Jonas

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