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Soft credit inquiries, also known as soft pulls, are checks on your credit report that do not affect your credit score. Common instances of soft pulls include when mortgage lenders pre-approve loans, potential employers conduct background checks, or credit card companies assess your eligibility for pre-approved offers. Unlike hard inquiries, which can lower your credit score temporarily, soft pulls are harmless and only visible to you on your credit report. It's important to monitor your credit regularly to ensure accuracy and protect your score. Read More
How the Hoyo Family Tackled COVID-19
Virtually everyone has been impacted in some way by the coronavirus/COVID-19 pandemic, but few have been affected as extensively as the Hoyo family – Erik, his wife Laura, three of their four children, and Laura’s mother all contracted the illness. Read More
Build a Safety Net with Savings
Tired of those pesky overdraft fees? Learn how a “savings safety net” in your checking account can shield you from unwanted costs and boost your financial well-being. Read More