信用查詢是你自己或第三方查看你的信用報告的一個實例，一些信用查詢可能會影響你的整體信用評分，但並非所有查詢都同等重要。通常信用查詢分為 - Hard inquiries 和Soft inquiries兩類。
Soft inquiries查詢很常見，而且也很頻繁。最常見的 Soft inquiries類型是債權人對你申請新信用帳戶有疑問，因此他們會檢查你的信用分數以確保你是否符合資格申請。如果你已經收到過預先批准的信用報價，說明該債權公司已經對你進行過Soft inquiries信用查詢了。
其他類型的Soft inquiries包括潛在的僱主檢查你的信用，或者你檢查自己的信用分數都屬於此類查詢。Soft inquiries 對你的信用沒有特別嚴重的影響，但查詢仍然會記錄在你的報告中， 此類查詢是可以在未經你同意的情況下進行。
當你申請貸款、信用卡或抵押貸款，並且你已書面同意債權人檢查你的分數時，此時的信用查詢就屬於Hard inquiries。連續多次這類Hard inquiries查詢就會對你的信用分數產生負面影響，因為這種類型的查詢可能給信用報告機構造成一種印象----你正在遇到財務困難，需要及時辦理信用貸款。購買汽車、抵押貸款或學生貸款貸方的連續多次 Hard inquiries不太可能產生負面影響，在這些情況下，信用報告機構更有可能假設你在「購物」，並且視多個查詢為單個查詢。
一年後，Hard inquiries 信用查詢就不再影響你的分數了，但它們會在你的信用報告中一直保留24 個月。雖然信用查詢在評估個人信用方面發揮了作用，但它們僅佔信用評分的 10% 左右。按時付款，以及你的整體債務負擔等這些因素對你的信用聲譽的影響更大。
When you get a copy of your credit report, you'll see more than just your current and historical credit accounts. You'll see your payment history, including any payments made more than 30, 60 and 90 days past the due date, along with your account balances and credit limits. You'll also see credit inquiries.
A credit inquiry is simply an instance where you or a third party has looked at your credit report. Some credit inquiries can have an impact on your overall credit scores, but not all inquiries are so consequential. There are two types of credit inquiries – a hard and a soft inquiry.
Soft inquiries are common and somewhat frequent. The most common type of soft inquiry is one where a creditor is curious about offering you a new credit account, so they check your score to make sure you qualify. If you've ever received an offer for a credit card that's preapproved, that company has done a soft inquiry on your report.
Other types of soft inquiries include potential employers checking your credit, or when you check on your own score. It's important to understand that soft inquiries have no impact on your credit, but they will be noted on your report and can be done without your consent.
Hard inquiries occur when you apply for a loan, credit card, or mortgage and you've given written consent to a creditor to check your scores. Several hard inquiries in a row for a credit card can negatively impact your score, as this type of action may give the impression you're scrambling for credit ahead of some financial hardship. Multiple hard inquiries in a row from an auto, mortgage, or student loan lender are less likely to have a negative impact. In these instances, reporting agencies are more likely to assume you're 「rate shopping,」 and the multiple inquiries are viewed as a single inquiry.
Hard inquiries stop impacting your score after a year's time, but they will remain on your credit report for 24 months. While inquiries do play a part in assessing an individual's credit, they represent only about 10% of what goes into a credit score. Things like making payments on time and your overall debt burden have a far greater impact on the health of your credit reputation.
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Yan Chen
Sales Associate
Coldwell Banker Realty
Cell.646.897.2991 |Office.201.767.0550
15 Ver Valen St | Closter, NJ 07624
yan.chen@cbrealty.com
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