Because of the COVID pandemic, each week, you’re able to access AnnualCreditReport.com to obtain three free credit reports (one from each of the three major credit bureaus, which are Experian, TransUnion, and Equifax). The three bureaus initially intended…
It happens all too often. A consumer pays down a large balance or receives a promise to have a bad debt or other negative mark removed from their credit report. The consumer, rightfully proud and excited, applies for credit almost…
When someone reviews your credit, it will be a hard inquiry or a soft inquiry. Soft credit inquiries Soft inquiries do not affect your credit and only you can see soft inquiries on your credit report. Hard credit inquiries Hard…
When you check your credit, it’s important to not just obtain a credit report from one bureau. There are three major credit bureaus: Experian, TransUnion, and Equifax. Your reports at each bureau may not always have the same information, typically…
If someone is considering extending credit to you, they may view your credit report to analyze your credit history and determine how much credit they’ll extend. Why do variations of the term “credit inquiry” matter? Anyone accessing your…