Wednesday, June 26, 2019
Do "hard" credit inquiries affect your credit score? Marginally
Experian has a useful article on how “hard credit inquiries”,
often generated to get the best rate for an auto loan, can affect the credit
score.
Generally, Experian says, all inquiries are bundled together
as one inquiry for credit scoring, so the effect is rather minimal, and it goes
away with time.
No major credit reporting company has talked about “social
credit systems” yet but it seems like the tech companies want them.
Friday, June 07, 2019
A scare when I try to create my IRS online account
I just signed on and created an IRS online account and got a
scare.
But it looks like it was because of namesake relatives in
the Midwest. I created an account by adding
a 0 to my last name.
But I’ve had a problem with not getting credit for two
payments I made to the IRS.
If you call them you get a 15-30 minute hold.
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