A pre-approved credit offer indicates that a lender has conducted a preliminary assessment of your creditworthiness, typically using a soft credit inquiry. Log In Sign Up Premium #1 AI Stock to Buy ...

Can I remove a soft inquiry from my credit report? Usually, you can't remove a legitimate soft inquiry from your credit report. However, don't worry: It won't negatively impact your credit.

Soft credit inquiry vs. hard credit inquiry. There are two types of inquiries someone can make into your credit: soft inquiries and hard inquiries. They are similar, but not the same.

Direct-to-consumer inquiry (Soft inquiry): When an individual checks their own credit report, it is classified as a soft inquiry and has no impact on the credit score.