Whether you’re new or acclimated to the world of personal finance, you’ve probably heard the term “credit score”. To put it in simple terms, it’s a rating for a person’s reliability to pay back loans. The higher the number, the better. And several factors can influence this number. If you’re on time with payments, great! That can only help. However, delinquencies will hurt, as will defaulting on loans.

Part of keeping good credit is also knowing the difference between hard and soft inquiries. These are also known informally as “pulls”. The good folks at CNET have recently provided a quick guide to help consumers distinguish between both. You can check out the full article here.

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