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What is a soft inquiry vs a hard inquiry on credit reports?
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Jtolson1
1 year ago
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A hard inquiry occurs whenever someone who does not have a previous relationship with you inquiries about your credit or has an existing relationship and a change in your credit has been requested (such as a credit line increase) [pulls your report]. Such a request must be authorized, and always be careful of what you sign and agree to with banks, because it can open the door fror them to pull what may seem as unauthorized inquiries, but they are allowed to. A hard inquiry may also occur when a collections agency takes on a delinquent debt and they pull information. A soft inquiry occurs whenever you request a copy of your report or score for your own use, or when a financial institution with whom you have a line of credit open is obtaining 'maintenance' information, and you had not requested a change in your line of credit. These are basic guidelines.
phnxangell 1 year ago