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If you have low credit score your interest rate is high. If its higher your interest rate is higher. Hard inquiry occurs whenever applying for credit. Soft inquiry occurs whenever you access your own credit score.

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I learned that the better the credit score, the less the interest rate goes up. It's better to have good credit so then you don't have to pay more for the same amount due to interest. Having bad credit makes the interest rate go up, and if your credit score is too bad, the band can deny the ability to take out a loan. I also learned that checking your credit score does not ruin it. This misconception comes from bigger businesses when they use your credit. We should all check our credit score frequently to ensure that everything looks correct and there are no false charges.

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Something I learned about credit was how to raise your credit score.
1. Check your credit report.
2. Set up payment reminders.
3. Reduce amount of debt uou owe by not using the card and create a payment plan to pay money you owe.

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Something new that I had learned was that when you have a low credit score it can raise the prices of your bills, can keep you from buying a house and it can make it hard to find a job. What I also learned is that by checking your credit score it can't affect it unless you have hard inquiries which are potential lenders that review your credit score.

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Employers sometimes use your credit score to determine your discipline, maturity and trust. Also, landlords use it to determine if you'll play your rent on time and can deny you if it's low.

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Credit cards were created during the Great Depression in the form of company cards that were given to workers that could be used in company specific stores to purchase items but were eventually given a more universal use in the form of the credit card we know today. Credit score was added later in time by the FICO company as a way to determine whether or not someone would be reliable to pay back a loan if they were given one, credit score holds the same use today.

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I learned that owning too many credit cards can lower your credit score. Another thing I learned is that increased utilization ratio and closing an old credit account can also lower your credit score. I also learned that lower credit scores make interest rates higher( usually credit scores under 620) and 670 or above are considered a good credit score which means having a lower interest rate and fees.

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When applying for a mortgage on a house the higher your credit score the better. With a higher score you will have lower interest rates. Also, if you want to check your credit score there are a ton of online providers that you can use or you could ask for a copy of your credit report or you can call a toll free number. One way to check to make sure your credit score is correct, and good, is to look at a copy of your credit report and see if there are any errors that need to be fixed.

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That a debit card can be used as a credit card but a credit card can't be used as a debit card.

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Tyler KorhornI learned you can do joint credit with spouse. I also that bankruptcy doesn’t mean you are gonna die in bad credit. Also low interest rates for high credit people

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I learned that having a low credit scire can run a risk of you being denied employment, higher your interest rates, and get you denied loans and loan applications.

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I learned about Soft and Hard Inquiry's. A soft Inquiry doesn't affect your credit score well a hard inquiry will. An example of a hard inquiry would be applying for a new credit card. An example of a soft inquiry would be checking your credit score for free.

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Something new that I learn is that in order to keep a good credit score you need to pay your bill on time, pay off debt, and don't open allot of credit cards that you won't use.

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I learned the difference of soft and hard credit. How hard creidit is applying for more credit and hurts your score vs soft isn’t just you checking your score. Interest should be low and then you will end up paying less money to the bank in the end. High interest account  for low credit score and therefore will have to add more money than with low interest to the bank

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Applying for new credit can make your score drop. If you have good credit you can qualify for average or below average interest rates.

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1. Keep balances low on credit cards and other "revolving credit".

2. Pay off debt rather than moving it around.

3. Don't close unused credit cards as a short-term strategy to raise your scores.

4. Don't open a number of new credit cards that you don't need, just to increase your available credit.