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.