Quote Originally Posted by Funder Mark View Post
What exactly is a soft credit pull?
When a bank sends you a pre-approved credit card, they obtained your credit score via a "soft pull" which means there is no inquiry. It's usually when someone pulls your credit without your permission for marketing purposes, or in conjunction with a background check for employment. There is also a soft pull when a consumer requests his own copy of a credit report such as credit karma. Your score will not go down a couple points for 6 months.

Just tell the customer to send everything in and you won't pull credit. Then tell him everything looks great, they want to approve you for 75K, and we will have the terms when they check your credit, would that be ok? If they say no, then they were never interested in moving forward in the first place. They're just window shopping.