We are always looking for a way to help our clients get maximum funding and protect their credit. We do need a copy of a credit report to give you your pre-approval. This credit report you are pulling is considered a soft pull. A soft pull is not an inquiry and will not affect your credit score or hurt your credit. We do not pull a credit report for your file which will result in an inquiry until you, the client, have signed our contract and are committed to moving forward. However, to receive the most accurate credit assessment and funding quote, (current funding potential), we require a credit report to be pulled. The question is this: Which kind of credit report is required? Below are instructions on which kind of credit report is needed and which companies we use.