Soft Credit Check

A soft inquiry (also called a soft credit check) is a peek at your credit history without hurting your score. It looks at things like how they manage credit cards, pay bills, and handle debt, but without hurting their credit score. What's in Your Credit Report?

• Your Basics: Name, address, and date of birth.
• Credit History: Credit cards, mortgages, student loans, and car loans (including payment history and balances).
• Who's Checked Your Credit? Records of inquiries made about your credit, including "soft inquiries" that don't affect your score.
• Public Records: Information about past bankruptcies, if applicable.
• Collections: Past due accounts sent to collections agencies.
• Risk Factors: Any significant factors that might impact your creditworthiness (determined by the credit bureau).