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  2. 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...

    Getting preapproved for a mortgage usually means undergoing a hard credit pull, which causes a dip in your credit score. While a soft credit check mortgage preapproval is hard to come by, an ...

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  5. Credit score in the United States - Wikipedia

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

    A credit score is a number that provides a comparative estimate of an individual's creditworthiness based on an analysis of their credit report. [1] It is an inexpensive and main alternative to other forms of consumer loan underwriting. Lenders, such as banks and credit card companies, use credit scores to evaluate the risk of lending money to ...

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

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

    Looking for a new job: Some employers check applicants’ credit, and the pre-employment credit check counts as a soft pull. Renting an apartment: Most landlord credit checks are soft pulls. Hard ...

  7. Credit history - Wikipedia

    en.wikipedia.org/wiki/Credit_history

    Adverse credit history, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history, and bad credit history, is a negative credit rating. A negative credit rating is often considered undesirable to lenders and other extenders of credit for the purposes of loaning money or capital.

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