For better or worse, your credit score is a big deal if you need a loan, rental housing, or even car insurance, so improving it is a worthy pursuit.
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We recently worked with a client that was out for one of the great American pastimes - shopping for a car. They spent an afternoon exploring what kind of vehicle would work best for their lifestyle, took it for a test drive, and was ready to make a payment.
Having lenders or landlords pull your credit report, also known as an inquiry, is a normal part of applying for things like housing or loans. But is there such a thing as too many inquiries, and can they detriment your credit health?
Hard inquiries appearing on credit reports are normal, and if you’ve applied for a form of credit, you have them on yours.
From renting an apartment to taking out personal or business loans, credit reports play an important role in the lives of consumers. They’re often a determining factor in whether a bank or other lender makes a decision in favor of the consumer.