Not all credit checks were created equal. In fact, credit checks come in two forms: a soft inquiry and a hard inquiry. There are three main differences between the two types of inquiries: Whether or not your authorization is needed...
I once reviewed a study that suggested that the contents of credit reports are “predictable” based on your credit scores. It’s complicated, but the argument was that all credit reports that score 500, 600, 700 (or any other score) look...
If you’ve never actively worked to improve your credit, a credit score might seem like black magic. You may understand that scores run from 300 to 850, but that’s where most people’s knowledge ends. When you don’t understand the forces...
