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What to know about soft credit inquiries
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 to Use Your First Credit Card Responsibly
Some people say “cash is king,” but carrying a lot of cash can be inconvenient and risky. A credit card is often safer and easier to carry. Plus, it can give you access to more money than will easily fit in your wallet. Read More