A common question we get from credit card beginners is the difference between a "soft pull" and a "hard pull" on your credit report. Both terms are frequently used when discussing new credit card ...

When you apply for a loan, a lender will pull your credit report, known as a hard inquiry or hard pull, to assess the risk that you pose as a borrower. Hard inquiries are recorded on your credit ...

or hard pull, on your credit report. Each hard pull temporarily lowers your credit score by a handful of points for up to a year and typically stays on your credit report for two years.