1 min read Credit Dictionary

Soft Inquiry



Last Verified: March 22, 2023

A soft inquiry is a non-credit related inquiry on a credit report.  A perfect example of a soft inquiry is a consumer requesting his or her own report.  Only the consumer sees soft inquiries, and they do not affect credit scores (FICO) or credit application decisions.  Employers, insurance companies, pre-screened or pre-approved credit offers or the consumer may be a source of soft inquiries.