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Hard credit credit pulls will lower your credit score. These types of pulls usually happen when you're looking to buy a car, and the car company pulls your credit reports to check your eligibility. Soft credit pulls do not affect your credit score. Even though it doesn't affect your score, it has to be done legally. If someone pulls your reports without your knowledge, that's illegal. Thanks for watching! John G. Watts Watts & Herring, LLC Representing consumers across Alabama 205-879-2447 https://www.alabamaconsumer.com/ https://www.alabamaconsumer.com/conta... (to send us a message) "No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers." Our free weekly webinar is here -- https://my.demio.com/ref/ZHxa8NhYRNAp... -- on Thursday we'll be talking about some of the new FDCPA rules. Join us if you can! "No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers."