Understanding Soft Searches: Impact on Your Credit Score

Learn what a soft search is and how it affects your credit score in this informative video.

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A soft search refers to a credit check that does not affect your credit score. It is typically used for pre-approvals, background checks, or when you check your own credit report. Unlike a hard search, a soft search is visible only to you and the entity that conducted it, ensuring your creditworthiness remains unaffected.

FAQs & Answers

  1. What is the difference between a soft search and a hard search? A soft search is a type of credit check that does not impact your credit score, while a hard search can affect your score as it reflects a formal application for credit.
  2. Can I check my own credit without affecting my score? Yes, if you check your own credit report or use a soft search, it will not affect your credit score.
  3. When might a soft search be used? A soft search is often used for pre-approvals, background checks, or when individuals check their own credit reports.
  4. Who can see a soft search? Soft searches are only visible to you and the entity that conducted them, ensuring your creditworthiness remains protected.

Watch More

If you found this explanation of soft searches helpful, you might also be interested in learning about hard searches and their impact on credit scores, as well as tips for improving your credit report. Exploring these topics will give you a comprehensive understanding of credit checks and how to manage your credit health effectively.

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