How can I manage my credit inquiries?

In addition to protecting yourself from identity theft, having fewer hard inquiries on your credit report may help you be considered a more attractive mortgage or large loan applicant. Here are several steps you can take to better manage the impact of hard inquiries on your credit score:

  • Pay your bills on time and minimize your debt as much as possible.
  • If you intend to apply for a large loan, limit the number of times you ask for credit in the surrounding months.
  • Be sure the hard inquiries that appear on your report are authorized and accurate by checking your own credit reports.