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Soft Inquiry Credit Cards - "How to Remove Inquiries from Your Credit Report" — 2 Expert Tips. Here are the main differences between both pulls and how to use them to your advantage. And soft inquiries are never considered as a factor in credit scoring models. meaning they won't impact. Requesting a credit limit increase. Many major actions involving your personal finances will also tie in your credit score and credit report, be it applying for a credit card, financing a car, or applying for a mortgage. Soft credit inquiries don't harm your credit score but do involve someone checking your score.

It happens when you check your own credit, or a lender pulls your although these soft inquiries will show up on your credit report, they are different from hard inquiries, which are tied to loan or credit card applications. It also counts as a soft inquiry when credit card companies or lenders check your credit on their own to determine if you qualify for a loan or credit. It's a record indicating a credit bureau gave an individual or some company access to your credit report information. However, hard inquiries that are more than a and soft inquiries don't impact your credit scores. And soft inquiries are never considered as a factor in credit scoring models. meaning they won't impact.