Soft inquiries happen when your credit report is checked for reasons not related to a formal credit application.
Credit Checks 101: Understanding Inquiries and Your Score Credit checks, often called , are formal requests to review your credit history. They allow lenders, landlords, and even employers to assess your financial reliability by looking at your past behavior. credit checks
: The minor score drop is temporary, often fading within a year, though the inquiry remains on your report for two years. Soft inquiries happen when your credit report is