Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to dispute credit inquiries [title] Understand " hard " versus " soft " inquiries. [step] Credit inquiries fall into two categories, " hard " and " soft. " a " hard " inquiry occurs when a financial institution like a mortgage lender or credit card provider reviews your credit history in order to make a lending decision.

Ending1: Another category, " soft ", occurs when you're told that your credit history was reviewed by a credit reporting firm. [substeps] It's an example of a hard question that you should ask yourself when reporting a loan inquiry. Ending2: Soft is defined as a bank account which you can either purchase or use in order to claim credit. Soft refers to any assets you own or use as a loan from your institution. Ending3: The hard decision is one that has a great impact on the balance of your checking account and its ability to pay back the full amount. A " soft " inquiry is when you are asked for amounts that you qualify for and then only the amount, and you do not necessarily qualify. Ending4: Typically, you authorize the hard inquiry when you apply for credit. [substeps] A " soft " inquiry, by contrast, occurs when a person or company checks your credit score for reasons other than lending credit.

Answer format: ending1/ending2/ending3/ending4