What’s the Difference Between Hard and Soft Credit Inquiries? – HUNT Mortgage

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Q&A: With multiple credit checks, timing is key. –  · (It is also good to know the process we’ll be discussing applies to multiple hard inquiries from mortgage and student-loan rate shopping as well.) FICO is the credit score lenders use most often. You already appear to know something about the difference between hard and soft inquiries, and that the scores treat auto loan inquiries differently.

The Difference Between Hard and Soft Credit Inquiries | US News – Hard inquiries stay on your credit report for about two years, but the fico score ignores these after 12 months. But aside from your score, if you have many inquiries over a short period, you’ll start to look risky to a potential lender. This is especially a problem for those who have a short credit history.

Both hard and soft inquiries allow a third party such as a creditor to view your credit report, but only hard inquiries will negatively affect your FICO score. A hard credit inquiry will stay on your credit report for a period of two years and stop affecting your FICO after a period of one year.

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There are two types of credit inquiries, hard and soft inquiries. A hard pull occurs when you fill out a loan or credit card application with a lender or credit issuer giving them permission to pull your report. A hard inquiry will stay on your credit report for 24 months, but are.

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What’s the Difference Between Credit Freeze and a Credit. –  · Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.

 · May 5, 2011 It’s important to know the difference between soft and hard inquiries for two reasons: a soft inquiry will not affect your credit score while a hard inquiry will, and sometimes it’s unclear what type of inquiry a company or lender will initiate. So let’s find out what these inquiries mean for you [.]

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