Question

A soft inquiry on your credit history is a request made by (2 points)

your employer or current creditors and could negatively impact your credit score

your employer or current creditors and cannot negatively impact your credit score

a potential lender and could negatively impact your credit score

Answer 1

The appropriate choice is ...

... your employer or current creditors and cannot negatively impact your credit score

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A soft inquiry, by definition, is one that cannot impact your credit score. It will often be made by an employer or current creditor, but may also be made by a prospective lender who wants to pre-approve you for a loan (for example). It is any inquiry that does not result in a lending decision.