A soft credit pull (also 'soft inquiry') is a credit check that does not affect your FICO or VantageScore. Lenders use soft pulls to pre-qualify you and show estimated rates before you formally apply.
When soft pulls happen
Pre-qualification on rate-comparison sites, your own free credit-score checks (Credit Karma, Experian, AnnualCreditReport), pre-approved credit-card offers in the mail, and most employer or landlord background checks all use soft pulls. Kreditify only triggers soft pulls during comparison.
What lenders see
A soft pull returns a snapshot of your credit profile — score, open accounts, payment history — but it is invisible to other lenders looking at your report. Only you see soft inquiries on your own report.
Frequently asked questions
Can a soft pull hurt my credit score?
No. Soft pulls are never used in credit-score calculations.
How many soft pulls is too many?
There is no limit. You can shop dozens of pre-qualified offers in a single day without any credit-score impact.