What does a soft hit credit check actually mean?

What does a soft hit credit check actually mean?
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1 Answer

Answer :

A hard hit means that they did a full check, that is used for actually granting you additional credit (in other words, the result of the credit check is a new loan or credit card). A soft hit is basically a lookup to see what your history is, essentially to see if you have a history of paying your bills. So for your insurance, they aren’t giving you new credit, they just want to see if you have a good history. Soft hits don’t go on your history. Other creditors do NOT see them.
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