What Does Preapproved Mean?
When a lender preapproves you for a credit card, it means they ran a soft inquiry credit check on you. The purpose of this credit check is to make sure you are…
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Credit Reports
What Credit Card Do I Qualify For?
Discover has a fast, simple, and secure online preapproval tool to help you check offers specific to you, without hurting your credit score.
How Long Do Delinquent or Collection Accounts Stay on My Credit Report?
A collection account on a credit report can be bad news for your credit history, but with positive behaviors, you can start to recover over time. Here's what to…
Can Debt Negotiation Ruin Your Credit?
Debt negotiation — negotiating the portion of the debt you owe that you will pay to a lender — can seem simple enough. However, debt negotiation and debt…
What is a Soft Inquiry on a Credit Report?
There are two forms of credit inquiries, the soft inquiry and the hard inquiry. Here's what you need to know about soft inquiries.
Top Credit Habits to Adopt in Your 20s: Get to Know Your Credit Report
Learn about what makes it into your credit report and why your credit history is important.
What is a Credit Profile?
Your credit profile — also known as your credit history — can impact whether you're approved for new credit cards or loans, and at what terms.
Five Credit Report Terms to Know
When you start paying attention to your finances, you end up becoming more familiar with your credit report. However, you may not know all of the terms you see…
How to Find a Free Credit Report
Plenty of sources will charge for credit information, or use it to lure you into a purchase, but there's no need to open your wallet. Your credit score is free…