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Soft inquiry won't harm credit score

July 6th, 2009 9:36 AM by Ron Mastrodonato

Q: Dear Dr. Don,
My employer wants my permission to check my consumer report to check motor vehicle records. I trust that that is the reason, but I wonder if doing the check can "ding" my credit record also.
-- Jay Just-Wondering

A: Dear Jay,
There are two types of inquiries on a credit report. The first, known as a "soft inquiry," is from existing account relationships, firms prospecting you to extend an offer to apply for credit and employers.

These soft inquiries are visible to you only when you pull your credit report. When others pull your report, these soft inquiries aren't shown on the credit report they review. Ordering your own credit report also generates a soft inquiry.


Posted in:General
Posted by Ron Mastrodonato on July 6th, 2009 9:36 AM


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