Process
Soft pull vs hard pull
Definition
A soft credit inquiry is not visible to other lenders; a hard inquiry is, and can slightly affect your score. Never assume a review is soft unless the lender has said so in writing.
Whether a review uses a soft or a hard inquiry varies by lender and by stage of the process. It is a fair question to ask any lender before you apply, and a reputable one will answer it plainly — never assume a review is soft unless the lender has said so in writing.
Express Capital Funding · Direct lender
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