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Lenders and creditors can check your credit reports and this credit inquiry may or may not be recorded on your credit reports. There are two types of credit inquiries - hard and soft.

A hard inquiry (or a hard pull) occurs when you apply for a credit card, loan, or mortgage and authorize a bank or lender to review your credit report and credit score as a part of their decision-making process. Since hard pulls are tied to an actual credit application, this type of inquiry appears on your credit reports and can affect your credit scores.

On the contrary, a soft inquiry (or a soft pull) occurs when you check your own credit history or when a lender or bank checks your credit to pre-approve you for an offer. Soft inquiries may not appear on credit reports and they never affect your credit scores.

Look through top soft pull credit cards from our partners and apply online. For example, you may pay attention to the card or the OpenSky® Secured Visa® Credit Card.