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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.