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FINANCE

Soft Pull / Soft Inquiry

A credit check that does not affect your FICO score. Used for [pre-qualification](/glossary/pre-qualification) and pre-screened offers.

// Why it matters

A soft pull is a credit check that does not affect your FICO score and is not visible to other lenders. Soft pulls power pre-qualifications, employer background checks, your own self-reports (Credit Karma, annualcreditreport.com), and pre-screened "you are pre-approved" mail offers. For car shopping, soft-pull pre-quals from Capital One Auto Navigator, AutoFi, or Chase let you check your real rate without burning credit. The trade-off: soft-pull rates are estimates, not guaranteed — the binding rate only comes from the hard inquiry at the dealer.

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