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2. How credit inquiries affect your credit score - AOL

   www.aol.com/finance/credit-inquiries-affect...

   Soft credit inquiries, also known as soft pulls or soft credit checks, occur when companies pull your credit file for a reason unrelated to a new financial obligation.

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 ...

4. ‘Soft’ Credit Inquiry vs. ‘Hard’ Credit Inquiry: What’s the ...

   www.aol.com/soft-credit-inquiry-vs-hard...

   There are two ways potential lenders and creditors check your credit: A hard credit inquiry or a soft credit inquiry. A hard credit inquiry impacts your credit score (usually by a few points), is ...

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. 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.

7. Loan servicing - Wikipedia

   en.wikipedia.org/wiki/Loan_servicing

   Loan servicing is the process by which a company (mortgage bank, servicing firm, etc.) collects interest, principal, and escrow payments from a borrower. In the United States, the vast majority of mortgages are backed by the government or government-sponsored entities (GSEs) through purchase by Fannie Mae, Freddie Mac, or Ginnie Mae (which purchases loans insured by the Federal Housing ...