to your credit report. A soft inquiry will show up only on the consumer facing side of the report and should not affect your credit score.If you choose to apply for either a pre-qualified or pre-approved offer, the lender does a hard inquiry on your credit. At this point, they receive a copy of your current credit profile to ensure your creditworthiness meets their underwriting requirements and has not changed since the time of the soft inquiry.
Specifically, if your position regarding debt, delinquent payments, bankruptcies or foreclosures reported since the initial soft inquiry changes, the lender is not bound to its offer. The credit terms, amount of credit extended or the product may be changed or revoked entirely. If you report significant changes to your income on the application that information may impact your offer.