When a lender checks your credit score so you can borrow money, this is considered a hard pull. This is the only pull that can actually hurt your credit, but only if there are multiple pulls in a short period of time. A soft pull, or soft inquiry, which is a credit company’s preapproval. A third type of pull from your credit report is called a consumer inquiry. While a consumer inquiry does not show up on your credit score at all, a soft pull may not show up on your credit score either.
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