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Guides: guides and articles
Plain-English guides on credit reports, consent and the credit conversation, written for teams that talk to consumers about their credit every day.
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GuidesOctober 26, 2026
Soft Pull vs. Hard Pull: What Debt Relief Teams Need to Know
A soft pull lets you see a consumer's full debt picture without touching their credit score. Here's how soft and hard inquiries differ, what consent the FCRA requires, and which one an intake call actually needs.
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