What are soft inquiries in credit checks?
An example of an AI chatbot conversation about soft inquiries in credit checks.
What are soft inquiries in credit checks?
Soft inquiries are credit checks that do not affect your credit score. They occur when you check your own credit or when a lender checks your credit for pre-approval.
How do they differ from hard inquiries?
Hard inquiries occur when you apply for credit and can impact your credit score. Soft inquiries, on the other hand, are more casual checks.
Can I see my soft inquiries?
Yes, you can view your soft inquiries on your credit report, but they won't affect your score.
Do soft inquiries show up on my credit report?
Yes, soft inquiries are recorded on your credit report, but they are not visible to lenders.
Are there any benefits to soft inquiries?
Yes, they allow you to check your credit without impacting your score, helping you stay informed about your credit health.
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