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“`html Understanding Soft Inquiries on Your Credit Report At O1ne Mortgage, we believe in empowering our clients with the knowledge they need to make informed financial decisions. If you have any questions or need mortgage services, call us at 213-732-3074.…
“`html Understanding Late and Missed Payments They may sound similar, but a late payment and a missed payment aren’t the same thing. A late payment is one that’s made after the due date but before the billing cycle ends. If…
“`html Does Being Declined for a Loan Affect Your Credit? When you apply for a loan, the lender typically checks one or more of your credit reports and credit scores. This process results in a hard inquiry being added to…
“`html What Is an Adverse Action Letter? An adverse action letter is a notification that you’ve been denied credit, employment, or an insurance policy. This letter provides details on why you were denied and offers resources to help you determine…
“`html Do Bills Affect Your Credit Scores? Yes, certain bills and how you pay them can affect your credit scores. Credit scoring companies use statistical analysis to predict whether you’ll pay back money you’ve borrowed. They base their credit score…
“`html How Long Debt Consolidation Stays on Your Credit Report Debt consolidation involves paying off existing debts with a new loan or credit card, ideally with a lower interest rate. While opening new credit can temporarily lower your credit score,…
“`html Understanding Credit: A Comprehensive Guide Credit is an agreement between a lender and a borrower that allows the borrower to obtain funds, goods, or services now and repay them later. It also refers to your history of borrowing and…
“`html How Long Does Bankruptcy Stay on Your Credit Report? Bankruptcy is a legal process that helps individuals overwhelmed by debt avoid being sued by creditors. It results in the discharge of many types of consumer debt, though not all.…
“`html What Is VantageScore? VantageScore is a company that develops consumer credit risk scores. These scores help banks, credit unions, lenders, and card issuers understand the likelihood that someone will miss a bill payment. They might rely on these scores…
