Credit Checks -

Hard vs Soft Inquiries: Different Credit Checks - TransUnion

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

: Multiple hard inquiries in a short window can signal financial distress to lenders. Hard vs Soft Inquiries: Different Credit Checks -

: Use a Safe Harbor Period when shopping for loans. Most scoring models treat multiple inquiries for the same loan type (like a mortgage) within a 14- to 45-day window as a single inquiry. 2. Soft Inquiries (Soft Pulls) credit checks