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Soft checks happen when you pre-qualify for a personal loan or receive a credit card offer in the mail. A hard credit check requires your consent. Hard credit inquiries typically affect your credit score for one year but stay on your space coast credit union student loans for about two years. Here are a few things to know before applying for a no-credit-check loan. Other qualification criteria : No-credit-check lenders may not have credit score requirements, but some have requirements around income and Sppace.
Those that do a soft credit check may require that you have some credit history.