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Hard Credit Inquiries. Hard inquiries are all credit inquiries where a potential lender is reviewing your credit because you have applied for credit with them. These types of credit checks could be from: 1  Application for an auto loan.2  Application for a credit card. 3  Application for a home loan.oft Credit Inquiries. Soft inquiries are all credit inquiries where your credit is not being reviewed by a lender. These may include: 1  Inquiries where you are checking your own credit. 2  Credit checks made by businesses to offer you goods or services, such as a promotional offer by a credit card company.