Buying a Vehicle with Not-So-Good Credit? (long) (1 Viewer)

[Brian Mansure]

I understand your point Stephen.
Actually I just learned about this 3 weeks ago when I pulled my credit report through my credit union.
It was explained to me that there are 2 different types of credit history requests, hard and soft.
A hard inquiry hurts your credit and a soft request doesn't.
For a better definition of hard and soft inquiries see this website https://www.worthknowing.com/frame_help_glossary.shtml
scroll down to the H's.
Sounded pretty logical to me.
I hope it's accurate information.
Brian

 

[StephenK]

Kevin and Brian,

You're both right. I was thinking about when I went to a few dealers looking for the best deal on my lease, and my score kept dropping each time!

Checking your own should have no effect.

Rgds

Steve