Your credit history shows your repayment of debts as well as any late payments or even bankruptcies. When someone looks at your credit history, it's called a hard or a soft credit pull.
Meaning
A soft pull is a check of your credit history that you can see on your credit report, but does not affect the score. Soft pulls or inquiries do not change any lending decisions and are mainly done for promotional purposes or as review.
Promotions in the Mail
Any time a credit card company wants to offer you a card, they did a soft pull of your credit to see if you meet the requirements for their card. If you accepted their offer, the new card would appear on your credit report as a hard inquiry and impact your credit rating.
Ordering for You
When you check your own credit rating with one of the major credit rating firms, you are making a soft pull. You can request one free credit report once a year from one of the major rating agencies (Equifax, Experian, TransUnion) or from AnnualCreditReport.com.
Other Soft Pulls
Your current lenders may conduct soft inquiry reviews on your account to make sure you are still credit worthy. Other soft inquiries can come from potential employers before they offer you a position.
Credit History Location
If you ordered your credit history, your soft inquiries appear in the inquiries section of your report. This section is broken up into hard and soft pulls and gives detailed information on the pull.
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