What’s a Hard Inquiry?
More than likely, you’ve heard of a hard inquiry on your credit report. This is when a business/lender “pulls” your credit report to review your credit history. A hard inquiry can lower your credit score. There’s another kind of inquiry called a …
How Does Payment History Effect Credit Score?
Most of your credit report is made up of your payment history. Your payment history tells lenders what your track record is regarding paying debtors back. This will also determine whether or not you’ll get approved for a loan or not. This …