Definition: A credit-file review that generally does not affect a credit score.
In plain words
A soft credit inquiry is a check of your credit file that does not count as a credit application, such as checking your own score or a lender’s pre-qualification check.
Why it matters
Soft checks generally do not affect your score, so they are a low-risk way to see whether you might qualify. A full application usually leads to a hard check.
Example
Illustrative example: An app shows you a likely rate after a soft check. Your score does not change. When you accept the offer and submit a full application, the lender runs a hard check.
Always read the term in the context of your own agreement and local law.
Related terms and guides
Hard credit inquiry · Loan approval guide · Underwriting