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2. 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 ...

3. ‘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 ...

4. 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.

5. Credit score in the United States - Wikipedia

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

   Credit scores are designed to measure the risk of default by taking into account various factors in a person's financial history. Although the exact formulas for calculating credit scores are secret, FICO has disclosed the following components: [8] [9] Payment history (35%): Best described as the presence or lack of derogatory information.

6. Credit score - Wikipedia

   en.wikipedia.org/wiki/Credit_score

   In Australia, credit scoring is widely accepted as the primary method of assessing creditworthiness. Credit scoring is used not only to determine whether credit should be approved to an applicant, but for credit scoring in the setting of credit limits on credit or store cards, in behavioral modelling such as collections scoring, and also in the pre-approval of additional credit to a company's ...

7. How credit inquiries affect your credit score - AOL

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

   Any time you pull your credit file from Experian, TransUnion or Equifax to assess your credit history or dispute credit report errors, it counts as a soft inquiry and won’t affect your credit ...