I have a Capital One credit card. As part of their online services, they offer free credit score requests. I recently began using that service, up to twice or thrice per month.

Capital One mentioned that I may see "Soft Inquiry"s in my credit report as a result. Will those (or any other aspect of the service) have an effect on my credit score?

1 Answer 1


There are two types of inquiries: the hard pull, indicating a new account has been applied for, and the soft pull, which is either a consumer reviewing his own info or a bank running scans to find potential new customers. The soft pulls do not affect your FICO score.


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