Understanding the difference between the two main types of inquiries— and soft —is essential for protecting your credit score. 1. Hard Inquiries (Hard Pulls)

Hard vs Soft Inquiries: Different Credit Checks - TransUnion

: These typically lower your credit score by a few points (usually fewer than five).

A hard inquiry occurs when you apply for a new line of credit, such as a mortgage, auto loan, or credit card.

Credit Checks May 2026

Understanding the difference between the two main types of inquiries— and soft —is essential for protecting your credit score. 1. Hard Inquiries (Hard Pulls)

Hard vs Soft Inquiries: Different Credit Checks - TransUnion credit checks

: These typically lower your credit score by a few points (usually fewer than five). Understanding the difference between the two main types

A hard inquiry occurs when you apply for a new line of credit, such as a mortgage, auto loan, or credit card. such as a mortgage