5. Inquiries and Loans
You can raise your credit by being careful of the hard and soft inquiries that you take on. These inquiries can happen when you apply for a credit card, home loan, or basically any line of credit – with lenders looking to see if you should be approved or denied for the loan they offer. So, when loan shopping for cars, homes, etc. – keep your hard inquiries to a minimum – less than two each year.