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Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés.
For your convenience, the complete English version of this form is attached below the Spanish version.
Hard inquiries stick around for about two years, but they only affect your score for the first year.
A good tactic is to shop for loans within a short time frame so multiple inquiries count as just one for score purposes.
Too many hard inquiries can be a red flag to lenders; usually, it’s best to keep it to a few within a short period.
Absolutely! Checking your own credit is a soft inquiry and won’t touch that score of yours.
A hard inquiry happens when you apply for credit, while a soft inquiry is when someone checks your credit for reasons like pre-approval, and it doesn’t affect your score.
A hard inquiry can lower your credit score a bit temporarily, but don’t sweat it too much; it usually goes back up with time.
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