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Credit FAQ: What Is Soft Inquiry?An instance in which your credit report is accessed without affecting your credit rating. Soft inquiries include your own requests for your credit report, promotional inquiries by credit card companies, and "checkup" inquiries by your existing creditors. A soft inquiry that does not affect your credit rating is used when Equifax Personal Solutions provides you with our products.
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Credit FAQ: What Is Promotional Inquiry? (October 11, 2006)
A type of soft inquiry made to your credit report for the purpose of disclosing that a credit report was furnished in connection with a preapproved offer. If your credit history matches a creditor's criteria, that creditor gets only limited information -- not your full ...
A type of soft inquiry made to your credit report for the purpose of disclosing that a credit report was furnished in connection with a preapproved offer. If your credit history matches a creditor's criteria, that creditor gets only limited information -- not your full ...
Credit FAQ: What Is Security Freeze? (October 11, 2006)
If you reside in select states you have the right to place a security freeze on your Equifax Credit File. A security freeze will prevent us from reporting your Equifax credit file to third parties, such as credit grantors or other companies and agencies, except ...
If you reside in select states you have the right to place a security freeze on your Equifax Credit File. A security freeze will prevent us from reporting your Equifax credit file to third parties, such as credit grantors or other companies and agencies, except ...
Credit FAQ: What Is Loan-to-Value Ratio (LTV)? (October 11, 2006)
The ratio of the amount of a home loan to the appraised value of the home. For example, if you borrow $75,000 to buy a $100,000 house, the LTV is 75%. As a general rule, the lower the LTV, the more favorable the terms of ...
The ratio of the amount of a home loan to the appraised value of the home. For example, if you borrow $75,000 to buy a $100,000 house, the LTV is 75%. As a general rule, the lower the LTV, the more favorable the terms of ...
Credit FAQ: What Is A Hard Inquiry? (October 11, 2006)
An indication on your credit file that a lender has obtained a copy of the report in order to evaluate your loan or credit application. An excess of hard inquiries within a six-month period may lower your credit rating.
An indication on your credit file that a lender has obtained a copy of the report in order to evaluate your loan or credit application. An excess of hard inquiries within a six-month period may lower your credit rating.
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