06/17/2026
📊 Hard Credit Pull vs. Soft Credit Pull
Understanding the difference can help you make informed financial decisions, especially when preparing to buy a home.
✅ Soft Credit Pull
• No impact on your credit score
• Doesn't require your permission
• Only visible to you
⚠️ Hard Credit Pull
• May lower your score slightly
• Requires your authorization
• Visible to lenders on your credit report
If you're applying for a mortgage, expect a hard credit pull as part of the pre-approval process. Knowing what to expect can help you prepare for your homebuying journey with confidence!