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 ...

When we talk about credit scores, inquiries almost feel like an afterthought. Inquiries, or new credit, only contribute about 10 percent to your FICO score, so it's easy to assume they aren't a big ...

When you apply for credit, a lender is likely to check your credit file or, to use a more technical term, perform a credit inquiry. A credit inquiry is a lender's request to access your credit history ...

A common question we get from credit card beginners is the difference between a "soft pull" and a "hard pull" on your credit report. Both terms are frequently used when discussing new credit card ...

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 ...