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A soft inquiry, also called a soft pull or soft credit check, allows lenders, employers, and other interested parties to review your credit. Also, when a credit card issuer or mortgage lender checks your credit to preapprove you for an offer, they can perform a soft pull. Soft credit inquiries have no impact on your credit score.

Some lenders may even perform a soft credit inquiry only as part of an application process, but that is rare, and you should have perfect credit or a long spotless credit history with the lender. Typically, when you apply for a credit card (or any other line of credit), the lender will most likely perform a hard credit pull before deciding whether you qualify or not for the offer, even if you were preapproved.

You might want to browse through personal loan options from our partners to see if there are suitable offers for you. Or, since your husband was a military service member, you can check out offers from USAA Federal Savings Bank or PenFed Credit Union, as they both offer services to active and retired military members and their families.

tags : Loans Credit Report Mortgage

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.