Personal Finance

Hard And Soft Credit Inquiries – What You Should Know

Credit scores are determined by several factors including your on-time payments, credit utilization, and the length of your credit history.  They are also impacted by certain inquiries on your credit.. Credit scores are negatively affected by how many “hard pulls” or “hard inquiries” made.  Soft inquiries have no impact on your credit. First, let us …

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What is Credit Life Insurance? (And Do You Need It When You Buy A Car or a Home)?

When you are ready to sign the papers to buy a car, you will be offered a myriad of add-ons – extended warranty, rust protection, life-time oil changes, and dent repair.  One of the products the dealership will try to sell you is credit life insurance.  They will tell you that it will pay off …

What is Credit Life Insurance? (And Do You Need It When You Buy A Car or a Home)? Read More »

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