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What is a “soft credit check” vs. a “hard credit check”?

A soft credit check is a light probe into your credit history that should not affect your credit score. This is often used when you check your credit score with services that guarantee that your score will not be affected by the check. 

A hard credit check can sometimes ding your credit a little (it’s usually only temporary and it depends on how many checks are performed and in within a certain timeframe) and is often used when opening a new account (credit cards, car loans, bank accounts, loans, etc.).

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