10 Things You Think Will Hurt Your Credit Score—But Actually Won’t

Understand what's used to calculate your credit score through this simple. Checking your credit report won't affect your FICO Scores, as long as you. inquiries that truly impact credit risk, as not all inquiries are related to credit. Typically, these are treated as a single inquiry and will have little impact on the credit score.

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A credit score is one of the important factors that help you avail credit cards and various other financial products like home loans, personal loans, etc. You should know about those things that can weirdly affect your credit score negatively. 10 Weird Ways You’re Hurting Your Credit Score.

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Having No Credit Score Can Hurt You. If you don’t have a credit score because you’ve always been good with your money and never utilized credit, then it will be much harder for you to get a mortgage than it would be for a person who has 5 credit cards, 2 car.

It’ll stay on your credit report for two years, but only affect your scores for the first 12 months. The credit inquiry alone won’t necessarily lower your credit score, but if you’re constantly refinancing and/or applying for other types of new credit, the inquiries could add up to a point where they’re deemed unhealthy.

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For the official FICO score, which ranges from a low of 300 to a best of 850, go to myfico.com; a credit report and score will cost $19.95 or you can sign up for the free 10-day trial. cards won’t.

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"I’m your best friend." For the six out of 10 workers who say they’ve considered a boss a friend, this won’t. think of the employee as there to help them and that’s just part of the deal," Crawford.