Credit: Checks

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

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

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. A hard inquiry occurs when you apply for

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