Soft credit card check services exist for many credit card issuers, and can help you determine whether you’re a good candidate for the card. These services often let you search across many issuers, and they may even send you prescreened credit card offers. Even if you’re not accepted for the card, soft inquiries can help you maintain your credit score.
What are the minimum requirements for applying for a credit card?
While a soft credit card check won’t harm your credit score, you should still limit how often you apply for new credit. Making a single application for credit for a few months will not have a huge impact on your credit score. However, if you apply for a lot of new accounts, your score may suffer.
If you’re concerned about a soft credit card check, you can check your credit report to ensure that it’s accurate. Credit bureaus are required by law to keep a record of all inquiries made on your credit. These reports can show which companies have made inquiries. The reason for these inquiries is listed near the bottom of the report.
A soft credit card check is also known as a soft inquiry or soft pull. It happens when a company checks your credit without your consent. It may have happened when you requested your credit report or when you requested a credit card.