Please know that you have options if you are not looking to buy right away or know you are going to need work on your credit before purchasing.   Both reports will look the same and we can do simulations to help you raise your score with either to qualify for the mortgage you need.  We do not do credit repair and this is only for helping people obtain a mortgage with our services.  If you choose the soft pull then you will have to pay to pull again before we can turn the loan into a lender but it will not hurt your score.  BEFORE YOU PULL either it is wise to go to www.optoutprescreen.com and choose the 5 year electronic opt out.  If not the credit bureaus can sell your information. If you need to build your credit then get up to 3 prepaid cards of $200 each.