A hard inquiry, also known as a hard pull, is a request for your credit report by a lender or creditor when you apply for credit. Hard inquiries are recorded on your credit report and can potentially have a negative impact on your credit score. When a lender or creditor makes a hard inquiry, it …
Your credit report is a detailed record of your credit history, including information about your borrowing and repayment habits. It is used by lenders, landlords, and other organizations to assess your creditworthiness and determine whether or not to extend your credit or approve you for certain products or services. That’s why it’s so important to …
Importance of Knowing What’s On Your Credit Report Read More »
When it comes to credit inquiries, there are two main types: hard inquiries and soft inquiries. Understanding the difference between the two can help you better understand how credit inquiries can impact your credit score. A hard inquiry, also known as a hard pull, is a request for your credit report by a lender or …
Purchasing a home is a significant and exciting milestone, but it can also be a complex and stressful process. One of the most important things that homeowners can do to prepare for the home buying process is to get their credit in order. This means checking their credit report for errors or outdated information and …
Check Your Credit Before Applying for a Mortgage Read More »
It’s worth noting that while credit repair can be a helpful tool for improving your credit score, it is not a quick fix and it requires patience and persistence. The process of disputing errors on your credit report and getting them corrected or removed can take time, and it may not always be successful. That’s …
When you apply for a mortgage to buy a home, the mortgage lender or bank will review your credit report to assess your creditworthiness and determine whether to approve your loan. There are several factors that mortgage loan officers and mortgage banks look for on your credit report to determine if you are a responsible …
Here are seven simple steps that you can take to improve your credit score across the three credit bureaus:
As a business owner, you know that access to credit is crucial for the success and growth of your business. Whether you are seeking a business loan to finance a new venture, expand your operations, or cover day-to-day expenses, it’s important to have a strong credit score and a clean credit report. One of the …
4 Steps To Take Before Applying for a Business Loan Read More »
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