A credit check is a process that involves a lender or other organization reviewing an individual's credit history and credit score. There are two main types of credit checks: hard checks and soft checks.

A hard credit check is a more in-depth review of an individual's credit history and credit score. This type of check is typically conducted when an individual applies for a new loan or credit card, or when they are trying to rent an apartment or obtain a mortgage. A hard credit check can affect an individual's credit score, and multiple hard checks in a short period of time can lower their score.

On the other hand, a soft credit check is a less extensive review of an individual's credit history and credit score. This type of check is often used for pre-approval offers or when an individual is checking their own credit score. A soft credit check does not affect an individual's credit score, and multiple soft checks in a short period of time will not have an impact on their score.

Hard credit checks are more common and are typically conducted by lenders when an individual applies for a new loan or credit card. Soft credit checks are less common, but are often used by credit card companies for pre-approval offers or by individuals who are checking their own credit score.

It is important for individuals to understand the difference between hard and soft credit checks, as this can affect their credit score and their ability to obtain new credit. It is generally recommended that individuals avoid applying for multiple loans or credit cards in a short period of time, as this can lead to multiple hard credit checks and a lower credit score.