Скачать или смотреть Your credit gets checked more often than you think

Your credit gets checked more often than you think — but not every credit check affects your score the same way. Here’s the breakdown:⁠
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Soft inquiry (soft pull) – This is like a quick peek at your credit. It doesn’t hurt your score and usually happens when:⁠
• You check your own credit⁠
• You get pre-approved offers in the mail⁠
• Certain background checks or employer checks⁠
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Soft inquiries show up on your credit report (sometimes just to you), but lenders don’t care about them when they’re making decisions.⁠
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Hard inquiry (hard pull) – This is a deeper check lenders do when you actually apply for credit. It can lower your score a bit (usually by a few points) and usually happens when:⁠
• You apply for a credit card, auto loan, mortgage, etc.⁠
• You request a credit limit increase that needs full review⁠
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Too many hard inquiries in a short time can make you look risky to lenders, so space out your applications if you can.⁠
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Bottom line: checking your own credit never hurts your score applying for new credit can. Knowing the difference helps you protect your credit while still staying informed.⁠
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Save this so you don’t forget.⁠
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Share it with someone who thinks every credit check is bad.⁠
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Got questions? Drop them below or DM us anytime!⁠
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