No Credit Needed Purchase Options

Soft Credit Check vs. Hard Credit Check

 A soft inquiry is when a person or company checks your credit report as a background check,  just like when you check your own credit score, get pre-approved for a credit card, or when a mortgage lender pre-approves you.
 

Soft inquiries do not affect your credit in any way! 

  Hard inquiries occur when a financial institution, such as a lender or credit card issuer, checks your credit when making a lending decision. They commonly take place when you apply for a mortgage, loan or credit card.
You usually have to authorize them.
 

Hard inquiries impact your credit score 

& stay on your credit reports for 2 years.