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Hard vs. Soft Credit Pull: What’s the Difference?

  • Monday, February 11, 2019
  Renter   Credit Repair   

Credit bureaus analyze a variety of factors when determining a credit score. Credit card utilization, payment history, and derogatory marks have the highest impact. The age of the credit history has a medium impact, while the number of total accounts and hard inquiries has a low impact. While the impact of hard inquiries is low, it can still cause a score to tumble five to ten points, which can make all the difference when trying to secure credit.

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6 Steps to Improving Your Credit Score

  • Monday, November 19, 2018
  Building Credit   Credit Repair   

If you have a less-than-ideal credit score, you're not alone. In fact, it is estimated that about 12% of the United States population has a score under 550. Unfortunately, even one financial mistake (such as filing for bankruptcy or going through a foreclosure) can have a serious impact on your credit score for years to come. As a result, you may have a hard time getting approved for loans, credit cards, and even apartments down the road.

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