"Pulling a credit report" refers to the process of a person or business requesting a copy of an individual's credit history from a credit bureau. This action is categorized into two distinct types: (which do not affect credit scores) and hard pulls (which can cause a temporary dip in scores). Types of Credit Pulls Soft Credit Pull
Can lower a credit score by approximately per inquiry. pullcreditreport
Learn about your credit report and how to get a copy | USAGov "Pulling a credit report" refers to the process
Happens when you apply for a specific loan or line of credit (e.g., mortgages, credit cards, auto loans). Learn about your credit report and how to
Occurs during background checks, pre-approvals, or when an individual checks their own score. Does impact your credit score.
Remains on a report for up to , though usually only impacts the score for one year. How to Access Your Report