Hard vs Soft Inquiries: Different Credit Checks - TransUnion
Soft inquiries happen when your credit report is checked for reasons not related to a formal credit application.
: Use a Safe Harbor Period when shopping for loans. Most scoring models treat multiple inquiries for the same loan type (like a mortgage) within a 14- to 45-day window as a single inquiry. 2. Soft Inquiries (Soft Pulls)
: Multiple hard inquiries in a short window can signal financial distress to lenders.