Score & Reports
Scores, hard/soft pulls, and getting reports.
How often should I check my score?
Monthly is ideal. Checking your own score is a soft pull and does not hurt your score.
What is a hard pull vs soft pull?
Hard pull happens when you apply for credit and may have a small, temporary impact. Soft pulls are educational checks or pre‑approvals and have no impact.
Where do I get my free credit reports?
Visit annualcreditreport.com for Experian, Equifax, and TransUnion. Many periods allow monthly pulls; otherwise at least once a year.
Why did my score drop after paying off a loan?
Closing an installment loan can reduce mix/age temporarily. Keep utilization low and pay on time; scores usually stabilize.
How long do inquiries stay on my report?
Typically 24 months on the report; scoring impact fades after about 12 months.
What affects my score the most?
Payment history and utilization are the top factors. After that, age of accounts, mix, and new credit play roles.
Should I freeze my credit?
Freezing prevents new credit without your PIN. It’s free and recommended for security; you can temporarily lift it when applying.
What’s a VantageScore vs FICO?
They are different scoring models with different weights. Lenders may use either; aim for on‑time payments and low utilization for both.
Do medical collections count?
Paid medical collections may be removed; small medical debts are often excluded in newer models. Always verify the details.
Can I add utility/phone bills to my credit?
Some services report utilities and phone payments. Eligibility and bureau coverage vary.