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You may be wondering if registering on our peer to peer lending platform will lower your credit score. It’s actually not the credit check or inquiry itself that can lower your score – it’s the reason for the inquiry.

The reason a “soft pull” does not affect your credit score is because banks, credit card companies and even businesses can check your credit score history, all without your knowledge or consent.

A “hard pull,” on the other hand, happens when you actually receive a loan or a credit card. Because of the negative hit your credit score can take with a “hard pull,” it’s good to know which activities can trigger a “hard pull,” especially since many cases are not obvious.

While it’s reasonable to assume that some types of “hard pulls” affect credit scores more than other types of “hard pulls,” overall, you want to keep the number of “hard pulls” of your credit file to a minimum within any given year. Thanks a lot for sharing this with all people you really realize what you#8217;re talking about!

Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. With havin so much content and articles do you ever run into any problems of plagorism or copyright infringement?

My site has a lot of unique content I#8217;ve either written myself or outsourced but it seems a lot of it is popping it up all over the internet without my agreement.

There are two types of credit inquiries that affect your credit report: hard inquiries and soft inquiries. While both types of inquiries appear on your credit report, only you can see your soft inquiries, and anyone who requests your report can view your hard inquiries. A hard credit inquiry occurs when a potential lender examines your credit report and uses that information to decide whether to extend an offer for credit. A soft credit inquiry, on the other hand, is a more routine check that can be done without your permission. Which credit cards pull transunion

Credit scoring models typically count mortgage or auto loan inquiries made over a short time period, such as 45 days, to be one credit inquiry for credit scoring purposes.

Disclaimer: The information posted to this blog was accurate at the time it was initially published.

While we do check your credit score when you register on our site, our check has absolutely no effect on your credit score or credit history.

Therefore it’s important to know what types of credit checks are OK and which will lower your score. For example, a company can soft pull your credit file when you apply for a job as part of background check. It’s still a credit inquiry but now it’s associated with receiving a loan, and, in this particular case, it’s the new debt that really affecting your credit score. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Hard and soft credit inquiries are both requests to view your credit by retailers, financial institutions and other lenders.

Understanding these distinctions can help you make wiser choices regarding future credit applications and become more credit savvy.

For instance, if you apply for a home mortgage or a car loan, your lender will make a hard inquiry of your credit to help determine if you qualify for the loan. A soft inquiry does not affect a credit score at all, since it#8217;s not an application for credit. Which credit cards pull transunion

For example, if you applyВ for a home or car loan, you#8217;ll likely shop around at different lenders to try to get the best interest rate.


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HOW TO: Make Sure You#8217;ll Be Approved for a Credit Card

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  • Find out your credit score and history to know where you stand.
  • Check credit pulls database to see common approval pattern.
  • Apply for cards that you most closely matched with in credit scores and history.

Lately, I#8217;ve been thinking of getting a new credit card #8212; specifically the True Earning Costco Card from American Express, for its kick-ass 3% cash-back on gas and dinning cash-back.

#8220;But Cap, you have a gazillion credit cards, why do you need more?#8221;

That#8217;s none of your business!!

Okay#8230; okay. I#8217;m sorry, I shouldn#8217;t have yelled. Its the stress at work, you know? Look, listen #8212; I#8217;m sorry. How about we go out for dinner next Tuesday night? That#8217;s right. Just the two of us.

The problem with applying for a credit card is that many times, you won#8217;t know whether you#8217;ll be approved or denied credit. Rejection isn#8217;t fun, but to add insult to injury, you#8217;re not only denied credit, your credit score will take a few dings due to the hard inquiry imposed on your credit history when you apply for the credit card.

Thankfully with the help of other credit-rejection-fearing Internet denizens, there are resources you can access on the web that allows you to see if your credit score and history can qualify you for the credit card in question.

Step One: Know Your Credit Score and History

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If you know your real FICO credit score, credit history, and you#8217;re positive that it hasn#8217;t changed recently, you can skip this step. If not, head over to myFICO.com and buy all three of your FICO score. Use this myFICO promotional code to get a 20% discount on your purchase.

Unfortunately purchasing your FICO score can get a bit pricey, as even with the discount, all three FICO scores will cost you about $38. An alternative is if you know your recent credit history well, you can try the free FICO score estimator. This will give you a ballpark ranges of where your scores may be at. Remember that you can always get your credit reports for free at AnnualCreditReport to help you answer the FICO score estimator#8217;s questions.

Step Two: Check Credit Pulls Databases

When you apply for a credit card, the issuer pulls one (or more) of your credit report to help determine your credit worthiness. Knowing which credit reporting agency the card issuer in question uses will help you narrow down the credit card you should or shouldn#8217;t apply for.

For example, if you have a delinquency on your Experian credit report, but not your TransUnion credit report, you should avoid credit card issuers that pulls Experian, and try to apply for card issuers that pulls TransUnion.

Here#8217;s two credit pulls database:

  • Credit Pulls Database from Creditboards.com (requires registration and login)
  • Who Gave Me Credit (has slightly less data and may not be as accurate)

By using the credit pulls database from Creditboards, you can search for the credit card issuer you#8217;re interested in applying for, and see a result of approved or denied credit profiles. Here#8217;s a snapshot to give you an idea:

As you can see from the picture above, most of the credit pulls for the American Express SimplyCash card was on Experian, with a few on Equifax. Most approved scores are in the 700+ ranges, and those with lower scores generally got a lower credit limit upon approval.

Whenever a credit card company denies you credit, they are required by law to state the reasons for the denial of credit. You#8217;ll also often see these reasons noted in the comment field from the credit pulls search results.

Knowing these types of information can help you in the decision process of whether or not if you should attempt to apply for a certain card. If you see a credit pull result with many higher credit scores than yours getting denied credit, or a large number of seemingly random rejection, you may want to think twice before you apply for the credit card in question.

Step Three: Apply and Rejoice at Approval or Rage at Rejection

Now that you know where your credit is being pulled from, and have confirmed that your score and profile is indeed much better than others on the listed result, should you apply immediately and expect instant approval?

Although these credit pull database can certainly help narrow down your chances, at the end, credit approval goes beyond credit scores and income level. Your past history, the mix of your credit profile, your usage pattern, your utilization ratio and many other factors all comes into play. No one can know for sure what type of criteria a certain issuer may have for certain cards.

What these databases can do, however, is to supplement you with more information, so you can go from #8220;I have no idea if I#8217;ll get approved#8221; to #8220;I think I#8217;ll get approved#8230; maybe if the stars aligned favorably tonight.#8221;


Which Credit Report is More Important: Equifax, Experian or TransUnion?

Q: Hi Lynnette, I have noticed a difference between my credit reports from Experian, TransUnion and Equifax.

Can you tell me which credit report is more important to a lender?

A: As a general matter, no one credit bureau report is “more important” than the others.

In today’s economic environment, they are all vitally critical to your personal finances.

However, whenever you are seeking credit – perhaps a mortgage, car loan or student loan – then the most “important” credit report or credit score is the one that a lender pulls to determine whether or not to approve your loan.

Some lenders only pull one credit report. So let’s say you want to purchase a car and you require financing.

If the lender considering your car loan only pulls an Experian credit report, then that’s the most critical report.

The challenge, of course, for consumers is that you never really know which bureau report a lender will pull.

It could be Equifax, Experian or TransUnion – or perhaps all three.

For most mortgages, lenders pull something known as a “tri-merged” credit report, which gives them information from all three of the major credit bureaus .

For these reasons, you should always ensure that all information on all three credit reports is accurate and up-to-date, and that all your credit scores are as high as possible.