Credit Checks May 2026

Hard vs Soft Inquiries: Different Credit Checks - TransUnion

: Multiple hard inquiries in a short window can signal financial distress to lenders. credit checks

Soft inquiries happen when your credit report is checked for reasons not related to a formal credit application. Hard vs Soft Inquiries: Different Credit Checks -

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

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 101: Understanding Inquiries and Your Score Credit checks, often called , are formal requests to review your credit history. They allow lenders, landlords, and even employers to assess your financial reliability by looking at your past behavior.