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Understanding The Difference Between Soft And Hard Inquiries
Manage episode 449611364 series 3497432
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In this must-listen episode, Clarck Cadet tackles a topic that often confuses even the most financially savvy: the difference between soft and hard credit inquiries.
Understanding how these inquiries work is essential for anyone looking to maintain or improve their credit score. We break down the differences, explaining how soft inquiries, like checking your own score or getting pre-approved offers, are harmless, while hard inquiries, such as applying for a loan or credit card, can temporarily lower your score. Throughout the episode, we provide actionable tips on how to strategically manage these inquiries. You'll learn when it's best to avoid hard pulls, how to leverage soft checks for routine credit monitoring, and how to time your credit applications wisely to protect your score. Whether you're planning a major purchase or simply want to optimize your credit health, this episode offers the insights you need to make smarter financial decisions.
Tune in now on all podcast platforms and take the first step toward mastering your credit strategy!
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@clarckthefinancialcoach
@theroyaltiespodcast
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