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Category: Credit Score

Soft vs Hard Credit Checks: What’s the difference?

When researching for loans you may notice that ‘soft pull’ and ‘hard pull’ comes up fairly often. You’ll often find warnings about a hard pull nested in the terms of various applications or you might see that a credit check is associated with a soft credit inquiry (like when applying

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Why Did My Credit Score Drop? 8 of the Most Common Reasons

Credit scores are undeniably important. But they’re also easily misunderstood. It’s easy to assume that scores have changed for no reason. And it’s natural to feel a little panicked when it looks like your credit score is dropping without any discernible cause. But you’ll soon see that there are a

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How Often Does Your Credit Score Update?

How often does your credit score update? It’s a common question shared by almost everyone who’s working on their finances. Planning for your financial future requires an ability to predict how various elements will change over time. But credit scores often seem unpredictable and out of our control. However, this

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How Can You Improve Your Credit Score?

Build your credit file: Open new accounts which will report to the major credit bureaus. Most lenders and credit card issuers report to all three so this is easy to achieve. In order to establish any credit, there must be accounts open in your name. From there, you can begin

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What Is Your Credit Score “Really”?

A common misconception about credit scores is that the first one you see is “your credit score.” In reality, there are tons of scores out there for everyone and nobody has one single score at any moment. These scores are all representative of your credit history but are calculated differently,

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Protect your Credit Score!

Advantages of “Soft” Credit Pulls. People looking to borrow money, whether it’s for a mortgage or an un-secured swimming pool loan, are aware that their credit scores influence their loan options. People with higher scores can typically borrow money at a lower rate and cost than people in lower credit

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How Much Would You Like To Borrow?