What a Soft Credit Pull Actually Tells a Lender Before You Apply
Most lenders use soft pulls to pre-qualify you in under 60 seconds—without hurting your score. See exactly what they review before you apply.
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What Most Borrowers Get Wrong About Soft vs Hard Pulls on Digital Lending Apps
A hard pull can drop your score 5–10 points and sits on your report for 2 years—yet most borrowers trigger one without realizing it by accepting a pre-qualified offer.