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Before you submit your loan application, make sure you’ve done everything you can do improve your credit score.

In a nutshell, soft inquires do not affect your credit score and can only be seen by you.And finally, make sure there are no inaccuracies on your report.When submitting your application, it’s important not to falsify information.I first looked to see if there were inaccuracies on my report.Long and behold, there was a collection account that I paid off that was never reported as “settled for less than full amount.” I called the collection agency and brought this to their attention.

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