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Par t II: Financing 101 The number of credit inquiries in Visual Studio .NET
Par t II: Financing 101 The number of credit inquiries
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A search for new credit can mean greater credit risk This is why the FICO score counts inquiries those requests a lender makes for your credit report or score when you apply for credit FICO scores consider inquiries very carefully because not all inquiries are related to credit risk You should note three things about credit inquiries: Inquiries don t affect scores very much For most people, one additional credit inquiry takes less than 5 points off their FICO score However, inquiries can have a greater impact if you have few accounts or a short credit history Large numbers of inquiries also mean greater risk: People with six inquiries or more on their credit reports are eight times more likely to declare bankruptcy than people with no inquiries on their reports Many kinds of inquiries aren t counted at all The score doesn t count it when you order your credit report or credit score from a creditreporting agency Also, the score doesn t count requests lenders make for your credit report or score in order to make you a preapproved credit offer or to review your account with them, even though you may see these inquiries on your credit report Requests that are marked as coming from employers aren t counted either The score looks for rate shopping Looking for a mortgage or an auto loan may cause multiple lenders to request your credit report, even though you re looking for only one loan To compensate for this, the score counts multiple inquiries in any 14-day period as just one inquiry In addition, the score ignores all inquiries made in the 30 days prior to scoring So if you find a loan within 30 days, the inquiries won t affect your score while you re rate shopping
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What FICO scores ignore
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FICO scores consider a wide range of information on your credit report However, they don t consider Your race, color, religion, national origin, sex, or marital status US law prohibits credit scoring from considering these facts, as well as any receipt of public assistance, or the exercise of any consumer right under the Consumer Credit Protection Act Your age Your salary, occupation, title, employer, date employed, or employment history
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5: Understanding and Improving Your Credit Score
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Lenders may consider this information, however: Where you live Any interest rate being charged on a particular credit card or other account Any items reported as child/family support obligations or rental agreements Certain types of inquiries (requests for your credit report or score) The score does not count any requests you make, any requests from employers, or any requests lenders make without your knowledge Any information not found in your credit report Any information not proved to be predictive of future credit performance
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Why your score is what it is
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When a lender receives your FICO score, up to four score reasons are also delivered These are the top reasons why your score wasn t higher If the lender rejects your request for credit and your FICO score was part of the reason, these score reasons can help the lender tell you why These score reasons can be more useful to you than the score itself They help you determine whether your credit report may contain errors and how you may improve your credit score However, if you already have a high FICO score (for example, in the mid-700s or higher), some of the reasons may not be helpful, because they may be marginal factors related to less important categories, such as your length of credit history, new credit, and types of credit in use
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Getting and retaining a copy of your personal credit report is a good idea Because your personal credit report contains a history of your use (and abuse!) of credit, it s important that you re aware of what it contains and whether the information is accurate If you re applying for a mortgage, you can ask at that time for a copy of your credit report after all, you re paying for it! You should also know that lenders are required to give you a copy of your credit report without charge if they turn you down for a loan
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