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- hey mom can you explain to me what's the difference between credit card and debit card
- sure lets go to my house across the street
- thank you mom, how does credit score work, what can you buy with it
- credit cards are when you borrow money from the bank, debit card is your cash you put into that money
- If you pay your bills on time it increases your credit score the higher the score the better. You can buy a car with a good credit score.
- Do soft checks and hard checks impact the credit score.
- Soft inquires do not impact your credit score. Hard checks do impact your credit score. you give permission because you are seeking credit
- This helps a lot mom can you give me some examples of them so I know what I'm looking for
- Soft checks is when you check your own credit score, when credit card companies check scores. Hard checks are applications apply for loans, Mortgage, and insurance
- Thank you a lot what shouldn't I put in my credit report.
- Information about race ,religion ,marital status, genders, or nationally.
- Thank you mom you was a big help now I'm going to buy a car and a house.
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