A soft inquiry is a credit check that does not affect your credit score. It is also known as a "soft check" or "soft pull." This type of inquiry is used by lenders to determine your eligibility for a loan, mortgage, or another type of credit. Soft inquiries are often made when you apply for a new line of credit, such as a credit card or home equity loan. The lender will use the information from your application to decide whether to offer you the loan or not. The decision will be based on your credit history and ability to repay the debt.