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Ask Erin

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Erin chatbot

Hi! I’m Erin, an automated LegalShield representative here to assist you with any questions you may have.

What’s the difference between a soft inquiry and a hard inquiry?

  • Soft inquiries do not affect your credit score and can include pre-approved offers of credit and insurance, employer background checks, in addition to checking your own credit. Hard Inquiries are made by an entity checking your credit, for instance, when you’ve applied for a credit card, loan or mortgage. Numerous frequent hard inquiries can lower your score.