credit
Soft Pull
A soft pull is a credit inquiry that does not affect your credit score, used during pre-qualification and offer sizing.
Last updated Reviewed by ICG Funding
Definition
What it means.
ICG uses a soft pull during application review so shopping multiple offers does not damage your personal credit. Soft pulls are visible on your personal credit file but only to you, not to other lenders.
A hard pull happens at final offer acceptance and typically reduces your personal FICO by a few points for a few months. Hard pulls from mortgage, auto, or student loan shopping within a 45-day window are usually counted as one inquiry under FICO scoring rules; small-business lender hard pulls are not.
Now what?
Get an offer that accounts for soft pull.
Soft-pull credit check. Quick application. No obligation.