Credit Checks. What You Need to Know.
Understanding Credit Checks: What You Need to Know to Keep Your Score Safe
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Understanding Credit Checks: What You Need to Know to Keep Your Score Safe
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A lot of people get nervous when they see credit checks on their report. They worry these checks will hurt their credit score or mess up their chances of getting loans later. That makes sense - but the good news is that many credit checks don't affect your credit at all. Let me explain the whole thing clearly.
A credit check happens when someone looks at your credit history. This could be a bank, a credit card company, your landlord, or even you. Think of it like someone reading your financial report card - they're trying to learn about how you handle credit and paying bills.
These are the credit checks that can affect your credit score. They happen when you actually apply for new credit. Banks and lenders have to report these applications because it helps other lenders see what you've been up to with your credit lately.
You'll get a hard check when:
Here's what happens with hard checks:
Soft checks are totally different. They're like someone taking a quick peek at your credit without doing a deep dive. The best part? They don't hurt your credit score at all.
Soft checks happen when:
Important things to know about soft checks:
Here's something really helpful to know: When you're looking for a big loan, like a mortgage or car loan, you probably want to check rates at different places. The credit scoring companies know this, so they give you a break. You get a 45-day window where multiple checks for the same type of loan only count as one hard check. This means you can shop around for the best deal without worrying about hurting your credit multiple times.
Sometimes you might see a hard check on your report that you don't remember doing. Here's what to do:
The best way to handle credit checks is to:
Remember, credit checks are just part of life in the financial world. As long as you understand which ones matter and keep an eye on your credit report, you'll be in good shape. And if you're planning to apply for something important like a mortgage, try not to apply for other credit cards or loans for a few months before. This keeps your credit looking strong when it matters most.
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