Does Harbor Lenders do a soft or hard credit pull?
Checking options through Harbor Lenders does not require a hard credit pull. Your credit score will not be impacted by submitting a request.
Glossary
Soft Credit Pull
A credit check that does not affect your credit score. Soft pulls are used for pre-qualification, background checks, and personal credit reviews.
In depth
Understanding Soft Credit Pull
When you check your own credit or when a lender pre-screens you for an offer, they perform a soft inquiry. Unlike hard pulls, soft inquiries are not visible to other lenders and do not impact your score. Harbor Lenders uses a soft check approach when routing your request — your score is unaffected.
FAQs
Common questions
Related terms
See also
Hard Credit Pull
A credit inquiry initiated by a lender with your permission, typically when you formally apply for credit. Hard pulls appear on your credit report and can temporarily lower your score by a few points.
Read more →Credit Score
A three-digit number (typically 300–850) that summarizes a borrower's credit history and predicts the likelihood of repaying debt. Higher scores indicate lower risk to lenders.
Read more →Ready to check your options?
One secure request. No hard credit pull. No cost to check.