How can I get a free copy of my credit report to review soft inquiries?

A soft credit inquiry or soft pull happens when you or another person checks your credit report without formal application. It also occurs when a company runs ... HARD INQUIRIES VS. SOFT INQUIRIES: WHAT THEY REALLY ARE AND HOW THEY AFFECT YOUR CREDIT. There's a common misconception that any time your credit report is ... Soft inquiries do not affect credit scores and are not visible to potential lenders that may review your credit reports. They are visible to you and will stay ... A soft pull is used for prequalifying a customer; a hard pull is used when a customer is applying for a loan. Both require the customer's written permission to ... Sep 21, 2020 ... The primary sign of a soft credit inquiry is that it does not adversely affect your credit score, said Jessica Chase, manager of the sales and ... Jul 17, 2024 ... A soft pull, or soft inquiry, happens when someone checks your credit report, like in the case of a pre-approved credit card offer. Mar 27, 2025 ... How many points does a soft inquiry affect credit score? ... A soft inquiry does not affect your credit score, so no points will be lost. However, ... May 11, 2023 ... A soft inquiry occurs when you or someone you authorize checks your credit report. Soft inquiries do not affect your credit scores. Sep 20, 2024 ... Soft inquiries can appear on your credit report when a company receives information to make an offer of credit, like a pre-approved credit card ... Jun 5, 2023 ... Each soft credit check is recorded on your credit file but will not be shown on credit reports provided to credit providers and will not affect ...