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Does a Credit Check Lower Your Credit Score? | The Truth ...

Read before you swipe (or wait, dip?).

Does a Credit Check Lower Your Credit Score?

Credit Q&A:"Does a Credit Check Lower Your Credit Score?"

There are a number of different reasons to run a credit check, and thus the confusion, but we'll get to the bottom of it. I promise.

Checking Your Own...

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Does a Credit Check Lower Your Credit Score? | The Truth ...

Credit Q&A:"Does a Credit Check Lower Your Credit Score?"

There are a number of different reasons to run a credit check, and thus the confusion, but we'll get to the bottom of it. I promise.

Checking Your Own Credit Will Not Lower Your Credit Score!

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What Is a Bad Credit Score? | The Truth About Credit Cards.com

This is probably the quickest way to send a bad credit score to average or even good territory in mere weeks. But if you legitimately slipped up and your creditors confirm this, don't expect your score to improve at all.

Let's look at a quick example of how you can turn that bad credit score around:

Current credit score: 580 (bad)

Negative item on credit report: unpaid medical collection

Credit...

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What Is an Excellent Credit Score? | The Truth About ...

Excellent Credit Score?

For those obsessed with their credit score, I'll attempt to answer the age old question, "What is an excellent credit score?"

For the record, we're talking about FICO scores , which are far and away the most common and widely used by creditors.

The FICO score ranges from 300-850, with higher scores representing a lower risk of default.

In other words, higher scores are...

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What Is an Excellent Credit Score? | The Truth About ...

Before I begin, let's remember that the word excellent is highly subjective, and not any specific measure of creditworthiness.

In fact, all of credit scoring is subjective; creditors don't just look at the three-digit number and say okay, you're good. Or you're bad...

However, there are certain thresholds that are objective, meaning lenders will reward/partially approve you for being at or over a...

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