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Soft inquiries typically occur when a person or company checks your credit report as part of a background check. Examples include employer background checks, getting pre-approved for credit card offers and checking your own credit score.A soft inquiry may occur without your permission.ow to Dispute Hard Credit Inquiries. If a hard inquiry occurred without your permission, check your credit reports to see the full details of the inquiry and determine if you should attempt to dispute it. Note that you can only dispute hard inquiries that have occurred without your permission.