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A credit score is a weighted number computed to determine your credit worthiness, and is relevant when arranging for credit or a loan. This tag is to be used for questions related to understanding how things would impact your credit score. Related tags are credit-history, credit-rating and credit-report.
3
votes
Should I try to get an old late credit card payment removed?
Since it was a mistake on your part, it may be difficult to have it removed from your credit report. Late payments take 7 years to drop of credit reports, and since you are 4 years in, it may make mor …
3
votes
Soft Inquiry vs Hard Inquiry
Soft inquiries do not negatively affect your credit score.
From Credit Karma:
Soft inquiries typically occur when a person or company checks your
credit report as part of a background check. Ex …