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Most instantly, a new hard inquiry will probably be added to your report, and your average age of credit history could drop.

There are only certain factors that can affect your credit score.If you plan on applying for a loan, then you are saying that the lender can “check my credit” to see if you can be approved.This type of inquiry will affect your credit score.You can get credit from a grantor (for example, from a bank), to whom you will need to pay back the full amount and possible interest charges that might add up over the period of time.There are four different types of credit starting with revolving credit, charge card, service credit, and installment credit.A Credit Privacy Number (CPN) is a 9 digit number that is free and legal to get depending on how you use it.

You will commonly find high-level business or government officials and members using this number that allows them to protect personal information for security reasons.

This scoring range starts at 300 as the poorest score and goes up to 850 as the highest range possible, or excellent credit.

Specifically, bad credit ranges from 300 to 629, fair credit ranges from 630 to 689, good credit ranges from 690 to 719, and finally, excellent credit which ranges from 720 and to 850.

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Credit scores can change once a week for some and not at all for months (or even longer) for others.

It usually takes specific changes to your credit information for your score to move, and once these changes occur, it could take some time for your credit report to reflect your new status.