cancel
Showing results for 
Search instead for 
Did you mean: 

What's the diff between soft and hard pull

Contributor

What's the diff between soft and hard pull

I heard this term used a lot here.. what's the difference?
2 REPLIES
Epic Contributor

Re: What's the diff between soft and hard pull

Soft pulls only you see.
Hard pulls everyone that pulls your credit sees
Hard pulls lower your score, soft don't effect score.
Highlighted
Moderator Emeritus

Re: What's the diff between soft and hard pull

When a  creditor reviews your ccount in the normal course of business, they do soft pulls.  No one sees it but you and them.  Requests for new credit generate hard pulls which CAN lower the score and may alert your other creditors to your attempts to seek new credit.