---
title: What is the Difference Between a Hard and Soft Credit Inquiry?
description: Anytime an inquiry for credit information (credit report) is requested, the credit bureaus will maintain a record of all the inquiries. Some creditors see inquiries as a negative factor. A soft inquir
---

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# What is the Difference Between a Hard and Soft Credit Inquiry?

Anytime an inquiry for credit information (credit report) is requested, the credit bureaus will maintain a record of all the inquiries. Some creditors see inquiries as a negative factor. A soft inquiry is only visible to the consumer if they request a copy of their credit report. Hard inquiries are visible to the consumer and the credit reporting agencies. Because of this, a soft inquiry such as the one Zo Financial uses should not be seen by credit bureaus and should not impact credit scores.

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