Inquiries into your credit report and history are known as credit pulls. Authorized individuals are the only ones permitted to execute credit pulls.
As a general rule, lenders and employers who need employees to demonstrate fiscal responsibility are among the parties that are permitted to review an applicant’s credit application. When a “pull” is completed, the requester receives access to their credit and loan balances, as well as their payment history. It’s possible to conduct a hard or a light credit check.