Whenever hard
credit pulls occur without consent, checking the credit report details aids in any decision for dispute (these reports can be disputed by the way).
These types of
credit pulls occur for a variety of reasons; for instance, soft credit checks may happen when a business generates a request to review your credit, without you submitting a new application for credit through them.
Not exact matches
Soft inquiries
occur when someone
pulls your
credit report for a reason other than that you applied for
credit.
Inquiries
occur whenever your
credit report is
pulled and are reported and recorded on your
credit report.
Hard
pulls occur when the lender goes to a referencing agency to check your creditworthiness and the lenders will tend to go to the same few sources (and won't tell you who they use) so applying for lines of
credit on the same day won't work.
please also note that the hard
pull occurs whether you are accepted or not and whether you take the
credit or not.
A hard
credit pull or hard
credit inquiry
occurs when a lender, potential landlord, or employer
pulls a copy of your
credit report.
A soft inquiry
occurs when you
pull your own
credit report.
A hard inquiry
occurs when the consumer is applying for
credit and the creditor
pulls the report.
A «hard inquiry» of your
credit score will
occur each time your report is
pulled.
The most common soft
pull happens when a
credit card company pre-approves you, but it also
occurs when a potential landlord, insurer or employer checks your
credit history to get a sense of how financially responsible you are.
A
credit inquiry, also known as a «
credit pull»
occurs when a business obtains permission to review your
credit history.