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Hard credit checks versus soft credit checks
When a company reviews your credit, a soft or hard credit inquiry will be performed. The type of inquiry performed can affect your credit. So, it’s important to know the which is being pulled. Soft credit inquiries Soft inquiries do not affect your credit and only you can see soft inquiries on your credit report. Hard credit inquiries Hard inquiries are viewable by anyone accessing your credit report and they affect your credit. When a hard credit check is performed, your total number of hard inquiries is added to your credit report. …