Can Removing Hard Inquiries Improve Your Credit? Short answer: it can help—especially if you have lots of recent hard pulls—but the effect is usually modest and diminishes with time. The bigger wins typically come from paying on time and managing balances. Still, if you spot unapproved hard inquiries, removing them cleans up noise that doesn’t […]
Author Archives: Abe
18
Sep
Sep
Hard Inquiry vs. Soft Inquiry – What They Mean and When to Worry Most credit reports show two types of checks: hard inquiries and soft inquiries. They look similar on a consumer copy of your report, but lenders and scoring models treat them very differently. Understanding the difference helps you decide when to relax—and when […]
18
Sep
Sep
Hard inquiries don’t last forever—but they do hang around long enough to matter. When a lender checks your credit as part of an application you authorized, that “hard pull” is added to your file. Most people first notice them when they’re shopping for a car or a credit card and suddenly see a string of […]
30
Aug
Aug
Do Multiple Car Loan Applications Hurt Your Credit? It’s normal to shop around for the best car loan — but after a few applications, you might notice your credit score drop and wonder: do multiple car loan applications hurt your credit? The short answer is: not usually, if done right. But applying too many times […]