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The Difference Between Hard Pull and Soft Pull Credit Inquiries

The Difference Between Hard Pull and Soft Pull Credit Inquiries 1

Not too long ago, I switched to a different Internet providers. When I called to set up my account, the customer service rep asked for my Social Security number. I asked why it was needed, and he told me that they would be checking my credit. “Is this going to be a hard pull?” I … Read moreThe Difference Between Hard Pull and Soft Pull Credit Inquiries

Different Types of Credit Scores: FICO, FAKO, and Enhanced

Different Types of Credit Scores: FICO, FAKO, and Enhanced 7

Your credit score is one of the most important figures associated with your finances. And you have likely heard the television and radio commercials touting that you have three credit scores. However, you actually have more than just three credit scores. There are a many ways to calculate your credit score based on what type … Read moreDifferent Types of Credit Scores: FICO, FAKO, and Enhanced

Should You Pay to Track Your Credit Score?

Should You Pay to Track Your Credit Score? 10

The American public is inundated with advertisements to help you increase your credit score, get your credit score, or track your credit score over a period of time. Knowing your credit score is very important for specific financial decisions in your life such as qualifying for a home mortgage or buying a car with a … Read moreShould You Pay to Track Your Credit Score?

How to Avoid Credit Card and Credit Repair Scams

In the credit card world, scam operators are taking money from innocent customers without adding value, misrepresenting claims and simply performing shoddy service. Fortunately, customers have an avenue to complain and the FTC has also taken pretty tough actions. Below are some examples of the actions that the FTC has taken against some shady companies. … Read moreHow to Avoid Credit Card and Credit Repair Scams

Are Credit Monitoring and Identity Theft Protection Worth the Cost?

Are Credit Monitoring and Identity Theft Protection Worth the Cost? 20

When you open a credit card account there are a variety of new concerns presented. How are you going to protect that precious piece of plastic from theft along with your identity? How can you monitor the effect this card has on your credit? Lucky for you, credit card companies have it all covered. Obtaining … Read moreAre Credit Monitoring and Identity Theft Protection Worth the Cost?

Why a Good Credit Rating is Important Even if You Don’t Use Credit

We hear a lot about how important it is to have a good credit rating. Indeed, we are often told that having a good credit is important, but we aren’t told why. For those who prefer to use money they already have, and do not want to be involved with credit, a good credit rating … Read moreWhy a Good Credit Rating is Important Even if You Don’t Use Credit