#hardinquiry

Concerned that reviewing your credit score could damage it? You're not the only one—but it's time to get the facts straight. In this educational video by Wise Consulting Enterprise, we explain the difference between hard and soft credit inquiries so you can maintain your credit health with confidence. Soft inquiries—such as reviewing your score by using apps such as Credit Karma, Experian, or WiseConsultant.com—will have no effect whatsoever on your score. They're secure, intelligent, and the key to being on top of your money game. Conversely, hard inquiries—initiated with the request for loans, credit cards, or mortgages—can temporarily lower your score by 5 to 10 points. Multiple instances in a short span? That's a warning sign for lenders. Watch this video to discover how to safely keep an eye on your credit, avoid unwanted dings, and get the right tools to stay financially empowered. Don't let myths stop you—get the facts and take control of your credit with confidence!