Seeing an Experian hard inquiry you don’t recognize can be unsettling. Maybe it popped up after visiting a dealership, working with a broker, or clicking a pre-approval link you didn’t intend to authorize. Whatever the situation, the path forward is the same: confirm eligibility, ask Experian (and the furnisher) to verify permissible purpose, and manage […]
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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 […]
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 […]