What’s the difference between "soft and hard" credit inquiries? You may often see credit inquiries referenced as hard or soft inquiries and wonder what that means. Whenever you apply for credit, the lender will pull your credit report(s) and credit score. lenders use this information to help them decide.

A hard inquiry is an inquiry that occurs when a prospective lender checks your credit report to make a lending decision. Hard inquiries can slightly lower your credit score and will typically stay.

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 · Credit Report Cards. There are some differences between the two services, though. For instance, Credit.com assigns grades to the following categories: Payment history, debt usage, credit age, account mix, and credit inquiries. You are given easy-to-read, report card-style scores that let you know exactly where you stand in each category.

Read on to learn the difference between hard and soft credit inquiries and how each can effect your credit score for a mortgage, car loan or credit card. What Are Hard and Soft Credit Inquiries? Let Us Explain!

Generally speaking, a score between 700 and 749 is usually considered “good” when this scoring range is being used. For those wondering what is an excellent credit score, anything above the 750 mark tends to qualify. The difference between good and great credit scores may seem trivial, but what they tell lenders is anything but.

A personal loan or mortgage loan, for example, are considered installment credit. Most credit cards, on the other hand, are regarded as revolving credit. Credit scoring models generally use five factors when determining your score: payment history, credit utilization, length of.

The FCRA does not expressly create a distinction between "hard" and "soft" credit inquiries or pulls. Rather, consumer reporting agencies classify every user’s request to see a consumer report as either a "hard" or "soft" credit inquiry, depending on the type of inquiry made by the requesting party.

 · Soft vs hard credit inquiry: What You Need to Know. January 11, 2018 · 4 minute read.. A hard credit inquiry typically takes place when applying for a credit card, mortgage or car loan. All hard inquiries will show up in your credit report, and factor into credit score calculations. Having too many hard inquiries can lower a credit score.

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