One of the most important items for consideration when it comes to getting a home mortgage loan is your credit score. And one of the things that can affect your credit score is how many "hard" inquiries have been made into your credit.

Soft credit check or hard credit check?

Cash Money Life offers a great article on the difference between a soft credit check and a hard credit check. Basically, a soft credit check is one that does not affect your credit score. It is merely a look into your history. When you check your credit score, or when lenders check it for "pre-screened offers," or when your employer checks your credit for security purposes, your credit score is not affected.

On the other hand, if you apply for a loan or a credit card, a hard credit check is performed. This type of check is one that can affect your credit score in a negative manner. In addition to loans, getting things like a cell phone or cable TV can result in a hard credit check.