Latest responses to “Difference Between Soft Credit Check and Hard Credit Check” Copyright 2012, MoneyBlueBook.com 410190 2010-08-27T17:08:37-07:00 Laura Is a hard pull the same as a hard credit check? I was reading this article, but I still don't understand it... http://www.gobankingrates.com/credit/whats-the-difference-between-a-hard-credit-check-and-a-soft-credit-check/ 410200 2010-06-21T11:42:44-07:00 Ali My mortgage broker had conversation with me today and he said I will do a soft credit search to get the AIP from the lender so he selected Helifax for my mortgage. So when he did credit search my application was refered to bank, 1st thing why that had been refered, 2ng thing I know my credit rating is realy good ..then why it refered, 3rg thing does this soft credit search will effect my credit rating..? 410180 2010-01-05T16:00:03-08:00 Hernsie this is quite a bit of interesting and informative information. had i known this bit of information, it would have been useful to me in explaining to my customers precisely what is a soft credit check. (they kept thinking that it would affect their credit score). thank you so very much 410170 2009-09-13T13:31:02-07:00 Alskar Liberty Mutual did a HARD credit pull when I asked them for a quote on my home and automobile insurance. All of the other companies I had quote my insurance did soft pulls. The Liberty Mutual check delayed the refinancing of my home for over a week while they "looked into it". Watch out for Liberty Mutual! 410150 2009-04-17T02:14:45-07:00 Raymond C, That's nothing new. Insurance companies, whether they be auto insurers, home insurers, or health insurers - have been using soft credit checks to help them assess appropriate consumer insurance rates for some time now. The good part is that these soft credit checks, unlike hard credit inquiries, are harmless in terms of its potential negative impact on your credit report history or FICO credit score. 410160 2009-04-16T14:46:34-07:00 C did you know - insurers will now be using soft credit checks to determine your auto insurance rate? 410140 2007-12-03T19:25:26-08:00 hank This is actually how I got to your site - I was opening a Charles Schwab account for my ROTH IRA and the rep said there was a credit pull and I needed to show him the difference... Awaiting a response from him... Very good post... 410130 2007-09-20T09:47:47-07:00 Means No Cents Great post, very informative.