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Virginia Credit Inquiry
Category:
State:
Multi-State
Control #:
US-135-AZ
Format:
Word;
PDF;
Rich Text
Instant download
Description
How to fill out Credit Inquiry?
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FAQ
Hard inquiries have a negative impact on your credit score, in the short term at least. While a hard inquiry will stay on your credit report for two years, it will usually only impact your credit for a few months.
No, requesting your credit report will not hurt your credit score. Checking your own credit report is not an inquiry about new credit, so it has no effect on your score.
Lenders use FICO Scores to help them quickly, consistently and objectively evaluate potential borrower's credit risk. Most lenders in the U.S., including Virginia Credit Union, use FICO® Scores as the industry standard for determining credit worthiness.
No. Your credit score does not go up when a hard inquiry drops off your credit report. Your score will not go down when a hard inquiry drops off, either. Instead, a hard inquiry (or hard credit pull) stops having an impact on your credit score after one year, which is one year before it drops off your credit report.
All new auto or mortgage loan or utility inquiries will show on your credit report; however, only one of the inquiries within a specified window of time will impact your credit score. This exception generally does not apply to other types of loans, such as credit cards.
According to FICO, a hard inquiry from a lender will decrease your credit score five points or less. If you have a strong credit history and no other credit issues, you may find that your scores drop even less than that.
No, requesting your credit report will not hurt your credit score. Checking your own credit report is not an inquiry about new credit, so it has no effect on your score.
According to FICO, a hard inquiry from a lender will decrease your credit score five points or less. If you have a strong credit history and no other credit issues, you may find that your scores drop even less than that. The drop is temporary.
Though prospective employers don't see your credit score in a credit check, they do see your open lines of credit (such as mortgages), outstanding balances, auto or student loans, foreclosures, late or missed payments, any bankruptcies and collection accounts.
This information is reported to Equifax by your lenders and creditors and includes the types of accounts (for example, a credit card, mortgage, student loan, or vehicle loan), the date those accounts were opened, your credit limit or loan amount, account balances, and your payment history.
