This is more a Credit Counselling question but I will answer it here.
Your Credit Rating is only viewed in depth by some one you allow to do so. Credit Card companies look at what is called a Soft enquiry before sending out all those offers. They usually rely on the Credit Score. A hard Enquiry is done by a potential lender to see all details of your past. Your whole financial life is open for view, but again only after you authorise it. Landlords, Finance companies, Insurance companies.. (bandits) Rental outfits... anyone whom will deal directly with you.
OK?
Your Credit Rating is only viewed in depth by some one you allow to do so. Credit Card companies look at what is called a Soft enquiry before sending out all those offers. They usually rely on the Credit Score. A hard Enquiry is done by a potential lender to see all details of your past. Your whole financial life is open for view, but again only after you authorise it. Landlords, Finance companies, Insurance companies.. (bandits) Rental outfits... anyone whom will deal directly with you.
OK?
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