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If you spot a hard credit inquiry on your credit report and it's legitimate (i.e., you knew you were applying for credit), there's nothing you can do to remove it besides wait. It won't impact your score after 12 months and will fall off your credit report after two years.
Credit scores range from 300 to 850, and a good score is above 700. The higher your score, the better the chances of obtaining a Hawaii personal loan and receiving better rates and terms. Don't get discouraged if you discover your credit score is lower than anticipated.
Types of Credit Cards Offered by Elan Financial Services Synchrony alone offers 116 co-branded cards for companies like Gap, Nissan, and Wal-Mart on cards offered by Visa, Mastercard and American Express.
What to do if you spot a problem. If you can't trace the reason for a hard inquiry or you believe it was done without your consent, you can dispute it online. If the credit bureau can't confirm it as a legitimate inquiry, it's required to remove it.
If you find an unauthorized or inaccurate hard inquiry, you can file a dispute letter and request that the bureau remove it from your report. The consumer credit bureaus must investigate dispute requests unless they determine your dispute is frivolous.
740 to 799 is very good and demonstrates a dependable borrower. 670 to 739 is a good, average score. 580 to 669 is below average, but some lenders will still approve a loan. 579 or below is poor and lenders will likely not want to take the risk.
Elan has partnered with TransUnion so you can check your credit score for free anytime you need, and as often as you want without any effect on your score.
The average credit score in the United States as of February 2021 is 698 based on the VantageScore 3.0 credit score model.
Elan Financial Services could use any of the three major credit bureaus (TransUnion, Experian or Equifax) for credit card approval. Keep in mind that applying for a credit card will most likely result in a hard pull on your credit.
The highest credit score you can have on the most widely used scales is an 850. For common versions of FICO and VantageScore, the scale ranges from 300 to 850 and lenders typically consider anything above 720 excellent credit.