When someone reviews your credit, it will be a hard inquiry or a soft inquiry.    Soft credit inquiries Soft inquiries do not affect your credit and only you can see soft inquiries on your credit report.   Hard credit inquiries Hard inquiries are viewable by anyone accessing your credit

A secured credit card is a great way for someone to build or rebuild credit if they have a poor credit history or little to no credit history.    The main difference between secured credit cards and unsecured credit cards is that a secured card is “secured” or backed by