The terms hard background and soft background check pertain to how a credit inquiry is made with the three major credit reporting agencies: TransUnion, Experian and Equifax. A background check is ...

Soft vs. hard credit checks. When you apply for a loan, such as a mortgage, student loan or credit card, the lender requests a copy of your credit file from one or more of the three major credit ...

Soft credit checks won’t impact your credit score, but the same can’t be said of hard credit inquiries. Soft Pull vs. Hard Pull Credit Inquiry: Here’s the Difference - CNET X ...