Author: Andre Iverson

Hard credit inquiries, also known as hard pulls, can impact your credit score, making it crucial to understand how to remove hard inquiries from your credit report. In this guide, we’ll explore the process of removing hard inquiries, the prerequisites, the duration, benefits, and the scenarios when removal is possible or not. What It Requires […]

Managing your credit wisely involves understanding what a hard credit inquiry is, and how it affects your credit score. But what is a hard inquiry? And why does it matter? Let’s dive in. What is a Hard Inquiry? A hard inquiry, also known as a hard pull or hard credit check, occurs when a potential […]

The lowest credit score possible typically ranges from 300 to 350, depending on the credit scoring model used. However, having a score in this range is extremely rare, as it indicates a severe history of missed payments, defaults, and financial irresponsibility. Most people with low credit scores still fall within a higher range, such as […]

The average credit score in the United States varied across age groups. Generally, older adults tended to have higher credit scores. Here’s a rough breakdown of average credit scores by age. Please note, these are averages based on commonly available information from credit bureaus like Experian, Equifax, and TransUnion. Individual credit scores can vary widely […]

Improve your credit score by taking the right steps. While there are several factors that influence your credit score, if you had to choose just one action to make a significant difference, it would be “Paying Your Bills on Time.” Let’s explore why this single action is so crucial and how you can implement it […]