Does Applying for a Mortgage Hurt Your Credit? Buying a home is one of the biggest financial decisions you’ll ever make — but applying for a mortgage also means allowing lenders to check your credit. If you’ve heard that mortgage applications can hurt your credit score, you’re not alone. Many future homeowners wonder how much […]
Tag Archives: remove inquiries
29
Oct
Oct
How Much Does It Cost to Remove Inquiries from Your Credit Report? If you’ve been turned down for credit or noticed your score drop because of multiple hard inquiries, you may be considering professional help. But how much does inquiry removal actually cost—and is it worth paying for? In this guide, we’ll break down average […]
29
Oct
Oct
Can You Sue for Unauthorized Credit Inquiries? Here’s What You Need to Know If you’ve found a credit inquiry you didn’t authorize on your credit report, you’re right to be concerned. Unauthorized credit pulls can lower your score, expose personal information, and even indicate potential identity theft. The good news is that you have legal […]
18
Sep
Sep
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 […]
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 […]