soft inquiries

There are many things you can do that might hurt your credit score – such as paying a bill late, charging up too much credit card debt, or having a public record like a foreclosure or judgment mar your credit report. Fortunately, however, doing something like checking your own credit report will NOT lower your […]

Soft inquiries – even lots of them – will not bump off or remove hard inquiries on your credit reports. This is because all inquiries stay on your credit report for two years, and hard inquiries count against you, for the purposes of calculating your FICO scores, for one year. What Is the Difference Between