Category: Credit Score

How Long Hard Inquiries Stay on Your Credit

Hard inquiries stay on your credit for 2 years. However, that doesn’t mean a hard inquiry negatively affects your credit for 2 years. Rather, a hard inquiry will only affect your credit for up to 12 months. Even then, hard inquiries only hurt your credit if you have …

10 Credit Hacks to Improve Your FICO Score

Most of you who have been reading this blog for a while know that I prescribe a very detailed and specific method for improving your credit score quickly. It basically boils down to removing negative items from your credit report and rebuilding your credit with a secured credit …

What Does Your Credit Score Range Mean?

My credit repair journey started when I had a credit score in the 530’s. I was unable to even get approved for a credit card, let alone a mortgage loan. This was the point when I said enough is enough and set out to learn everything there is to know …