Now a soft inquiry is one that you do not individually authorize, it does not affect your score. An example is when the credit bureaus sell your information to a marketer. For example, a marketer may look for people specifically in a particular zip code. With scores between 606 50 your name and contact information pops up in the markers send you advertising. It may also be someone that you're already indebted to, and they will keep on checking your score and trade lines to see if you still meet their criteria. This is used a lot for insurance companies and credit card companies.

The authorization to continually pull your credit is usually found in the small print, otherwise known as the boilerplate language in your contract. There is a misnomer that if you check your own credit score or credit report you will receive A credit score reduction. simply not true. Checking your own credit through a credit monitoring service will not affect your score period. Your soft inquiries will not be shown on any report that is pulled with the exception of the official credit report from annual credit report.com. particular report that's up there on the screen come from credit or annual credit report calm and in particular on the experience side.

So you can see that when we pulled this ourselves, this particular report was pulled by the consumer and they're in lines where the CIC, Experian consumer se is on there. So that's showing your soft pole All the others discover pulled it for a reason research and capital services pulled in for a reason. Those are only going to be found on your annual credit report comm site