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Credit Cards Q&A

Q: I received a letter from a credit card company saying I am “pre-approved” for their card, but I never applied for it. Will this hurt my credit score?
A: Pre-approved offers will not harm your score. When you monitor your own credit, or when someone checks it to make you a pre-approved credit offer, that is considered a soft inquiry that is not seen by others, and will not have any impact on your credit score. However, when you submit a credit card application or apply for a loan, a hard credit inquiry is created and may have an affect on your credit.
Now that you know more about credit scores, sign up for TransUnion Credit Monitoring today and receive your credit report & score.
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