What Is a Credit Report
A credit report is not the same as a credit score. It is the detailed record behind many lending decisions, including account history, balances, and inquiries.
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Browse finance explainers connected to credit report and related beginner money topics.
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What Is a Soft Inquiry
Soft inquiries often happen when you check your own credit or receive prequalified offers. They are common and usually less serious than hard inquiries.
What Is a Hard Inquiry
Hard inquiries usually happen when you apply for new credit. They can matter, but they are only one small part of a larger credit picture.