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2. Does mortgage prequalification affect your credit score? - AOL

   www.aol.com/finance/does-mortgage...

   Technically, the lender’s quick credit check is a “soft pull” of your credit history. Such soft inquiries don’t show up on your credit report, so they won’t affect your credit score ...

3. How to shop for a mortgage without hurting your credit score

   www.aol.com/finance/shop-mortgage-without...

   Key takeaways. Getting preapproved for a mortgage usually means undergoing a hard credit pull, which causes a dip in your credit score. While soft credit check mortgage preapprovals are hard to ...

4. Can you remove hard inquiries from your credit report? - AOL

   www.aol.com/finance/remove-hard-inquiries-credit...

   The best way to keep an eye on hard and soft pulls on your credit is to check your credit reports consistently. Under the Fair Credit Reporting Act (FCRA), you have the right to one free credit ...

5. Credit score in the United States - Wikipedia

   en.wikipedia.org/wiki/Credit_score_in_the_United...

   [citation needed] Credit inquiries that were made by the consumer (such as pulling a credit report for personal use), by an employer (for employee verification), or by companies initiating pre-screened offers of credit or insurance do not have any impact on a credit score: these are called "soft inquiries" or "soft pulls", and do not appear on ...

6. AnnualCreditReport.com - Wikipedia

   en.wikipedia.org/wiki/AnnualCreditReport.com

   AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.

7. Credit history - Wikipedia

   en.wikipedia.org/wiki/Credit_history

   Credit scores vary from one scoring model to another, but in general the FICO scoring system is the standard in U.S., Canada and other global areas. The factors are similar and may include: Payment history (35% contribution on the FICO scale): A record of negative information can lower a consumer's credit rating or score. In general risk ...