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What is a Soft Credit Check vs. a Hard Credit Check?

May 10, 2022


A hard credit check happens when you apply for a new credit account—such as a mortgage, bank loan, or credit card. A soft credit check is a request to view your credit report, and is typically done for things like pre-approved credit offers, employment applications, or periodic account reviews by current creditors for things like credit limit increases.


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This information provided is for informational purposes only and does not substitute consultation with a legal, tax or investment professional for important financial decisions. Laurel Road assumes no liability for loss or damage incurred by use of the information provided. Please visit laurelroad.com for full product details, terms and conditions.

All Laurel Road lending products are subject to credit approval.