I have a client who’s had a problem with “soft pulls” by Capital One showing up regularly on some of his credit reports.  That’s great, you say, but “what’s a soft pull?”  A soft pull is a credit report inquiry by a third party that doesn’t show up when other people pull your credit report, […]

Most people know that every time a potential creditor pulls your credit report in connection with an application for credit, your credit score is slightly affected.  This type of inquiry is known in the trade as a “hard pull”.  There is a second kind of credit report access called a “soft inquiry” or “soft pull.” […]