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Hard credit inquiries occur when someone like a landlord or potential creditor is assessing your credit risk, and these kinds of inquiries can lower your credit score.
That score is considered to be right at the top of the “good” credit band, just a few points shy of an “excellent” credit score. Millennials and Gen Zers, however, average lower credit scores.
Your credit inquiries get reported on your credit report for two years and, although the effect diminishes over time, every hard credit check counts against you in the credit scoring model.
Credit Karma: Daily TransUnion & Daily Equifax full reports [8] TransUnion, Equifax [8] Sometimes [9] VantageScore 3.0 [10] Credit Sesame Monthly summary [11] TransUnion [11] Last 4 digits only [11] VantageScore 3.0 [11] Equifax Core Credit Monthly summary [12] Equifax Last 4 digits only [12] VantageScore 3.0 [12] FICO Free Credit Score Plan ...
In zip codes that were majority Latino, 31.4% of individuals had a credit score of less than 620, and only 47.3% had credit scores greater than 700. [ 41 ] 2012 study examined the credit scores for about 200,000 consumers finding the median FICO score in majority minority zip codes was in the 34th percentile, while it was in the 52nd percentile ...
Having a diverse mix of credit accounts like a car loan and one or two credit cards that you use and pay off helps you score well in this credit score component. New credit (10 percent).
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