When you or someone you have authorized checks your credit report, this is known as a “soft pull,” “soft inquiry,” or “soft credit check.”They can also occur when a business—like a mortgage lender or credit card issuer—checks your credit for pre-approval.Because they are not associated with any particular credit application, they have no effect on your credit scores.

1.How is a soft pull carried out?

In contrast to a hard inquiry, which occurs when an application is submitted, a soft inquiry occurs when someone checks your credit report even though you have not submitted a new credit application.While soft pulls have no effect at all on your credit scores, hard pulls remain on your credit report for two years.

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