tradelines

Inquiries Aren’t a Major Factor in Your Credit Score

Credit inquiries, in general, do not have a significant impact on your credit score. There are two kinds of inquiries: hard and soft. A soft inquiry is when someone does a credit check on you for reasons other than giving you money. Soft inquiries occur when a utility provider evaluates whether they want a security …

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What Is a Tradeline on My Credit Report?

A credit account is a tradeline on a credit report. These tradelines are used by credit agencies to create credit reports for people. The creditor reports the following information on each tradeline: Creditor or lender’s name Partial account number Type of account Date the account was opened Date of last activity Current balance Credit limit …

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