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Posts: 172
Registered: ‎12-12-2007

What's the diff between soft and hard pull

I heard this term used a lot here.. what's the difference?
Epic Contributor
Posts: 26,177
Registered: ‎10-23-2007

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.
Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Moderator Emeritus
Posts: 5,436
Registered: ‎03-10-2007

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.

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