Posts Tagged ‘score’

‘Soft inquiry’ won’t hurt credit score

Wednesday, July 8th, 2009

Soft inquiry wont hurt credit score

Dear Dr. Don,
If your current credit card provider does a soft inquiry on your credit report, does it show up on your report’s credit history like your own inquiries?
— Dee Details

Soft inquiry wont hurt credit score

Dear Dee,
The difference between a hard inquiry and a soft inquiry on your credit report is the difference between applying for credit and having your credit monitored. (more…)

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Does an unactivated credit card hurt score?

Friday, April 3rd, 2009

Dear Credit Card Adviser,
I heard that closing a credit card has a negative effect on the FICO score and have read your thread. My question is two parts: If I cancel a credit card that has never been activated, does this affect my FICO score? What about canceling a credit card that was unsolicited and sent to me (and) that was never activated? Thanks for your help.
— Elliot

Dear

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