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Running Your Credit


Identity Theft and Credit Protection Crafted for You

Credit Reporting & Score Delivery

When applying for a loan or credit card program, you’ll likely hear about soft and hard credit pulls (also known as hard and soft credit checks or hard and soft inquiries). While both types of inquiries provide a peek into your credit, the main difference between a hard and soft credit pull is that (hard pulls) can cause your credit score to go down while (soft pulls) does not. Here at Laguna Point Capital while a customer is going through our pre-approval process we only use soft pulls so there is no effect to your credit whatsoever.

The process is easy. You only need the following information:

  • Name

  • Address

  • SSN

  • Date of Birth

  • Phone Number

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