Money Talks August 2021 | Fernanda Perez

If My Latina Mom Was a Credit Alarm

If My Latina Mom Was a Credit Alarm

Does your mami wake you up at the crack of the madrugada to remind you there’s lots to do?! 👀😭

Sometimes we want to hide under our pillow, when our mamis knock on our door at 6 AM, but they mean well. Pero, what if your mami was waking you up to check your credit score?  🤑

There is a rumor that says checking your credit score could negatively impact it, but that’s not always the case! 😉 There are two kinds of credit score inquiries you can do:

Soft inquiries are when you check your credit score on your own. Since this number is only for you, your score won’t change! Hard inquiries are done by lenders, so if you are in the process of buying a house, car or applying for a loan, these inquiries will affect your score. 😮

So ya, mij@s! Get off IG. It’s 9 AM and it’s about time you got up and checked your (soft) credit score! 😏

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