When you apply for a loan, credit card, or apartment, you'll likely see references to "hard inquiries" and "soft inquiries" to your credit report. The differences may seem negligible as a consumer (after all, the companies do the work, while you don't have to do much of anything), but it's important to understand the difference between them: One can potentially impact your credit scores, and the other one doesn't.What is a soft credit inquiry?A soft inquiry, or "soft pull," refers to when your credit report is checked, but it's not tied to an application for new credit or a loan. Soft inquiries have no effect on your credit scores. Some common examples of soft inquiries include:Checking your
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