What is a Soft Inquiry?

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Question What is a soft inquiry and how does it affect my credit? Answer Inquiries occur anytime a company decides to do a credit check, or “pulls your credit report”.  These credit checks can involve hard pulls or soft pulls, also known as hard inquiries or soft inquiries. Soft inquiries (“soft pulls”) are caused by […]

What is a Hard Inquiry?

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Question What is a hard inquiry? Does it hurt my credit score? Answer There are 2 types of Inquiries that you may see on your Credit Report. One type of inquiry is called a hard inquiry and the other is a soft inquiry. A hard inquiry is a credit check that is made by a […]

Understanding Your Credit Report

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So you’ve pulled your credit report, but you aren’t exactly sure what you’re reading. Don’t worry, that’s pretty common. Most people tend to see the accounts and get a gist of what’s listed, but that’s about it. So what are you reading and how do you clean this mess up? These days it’s hard to […]