Derogatory marks are any adverse item, account, or comment on your credit report.

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Soft inquires or “soft pull” are generated by you when you check your own credit, by credit card companies that you currently have open accounts with, and by employers. A soft pull or “soft inquiry” does not affect your credit score.

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By now you should know what a hard inquiry is. Especially if you are a member of credit building school. In case you don’t .. we’re here to inform and / or remind you. A hard inquiry is when YOU seek credit.

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Build credit using a car lending bank like ally financial. The better the car lending institution the more favorable your terms will be.

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Prime credit profiles are the best. You negotiate your terms, you get the lowest interest rates, and the highest credit limits are available to you.

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Subprime credit profiles will keep your credit limits low, your interest rates high, and will harm you forever if you don’t make a change.

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Get accounts that report to Equifax, Experian, & Trans Union. That way you can keep your credit profile and credit scores accurate across all 3 credit bureaus.

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Not taking on a mortgage damages your credit score. Lack of sufficient relevant real estate account information is a derogatory statement on your credit profile.

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Get a credit score increase every month by saving money. Selflender helps with you build good credit. They report to the Trans Union credit bureau.

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Renters can boost their credit scores using this method: Pay your rent (which you were going to do anyway) and get a positive reporting trade line for it! They report to Equifax, Experian, & Trans union.

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