02/09/2026
A soft credit allows us to view your credit without impacting your score. This allows you to make any changes to improve your score before the hard credit pull so that you get the best rate, terms and conditions on your mortgage. A soft credit may not have a full payment history and most recent activity. If you think there are items that may impact you, have a full “hard” credit pull so there are no surprises when you find your home.