Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Posted in Credit Scores
What is a soft credit check and how do I find out my soft credit score?
Apartment leasing uses a soft credit score to determine elegibility. What does this mean and how do I find out what mine is?
Profile Image

Question By
LDAR2

0 Contributions
0 People Helped
All Responses
Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

An apartment lease could have a soft check if they only want certain information from your credit report such as on time payment history.  A soft check has no effect on your credit score one way or the other. 

Response by
amnielsen

5 Contributions
1 Person Helped

 a soft inquiry is when you check your own credit--as long as you didn't apply for credit your self--it will be a soft inquiry--there's no such thing as a soft credit score just the regular credit score--and if the apartment runs your credit it will most likely be counted as a hard inquiry--i'm not aware of how a company can get your credit with out going through the credit bureau and causing a hard hit--every contract i've seen clearly states that they will do a credit back ground check on you--thus a hard inquiry

Top Contributor

Response by
redcoupe

1160 Contributions
537 People Helped
Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Reply to this Question

Write your response:

Enter Your Comments
Submit to the Community