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does it hurt my credit score to use
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"hard inquiries" effect your credit score (like when u go to take out a new credit card, or they run your credit for an apartment or mortgage for examples). credit karma is a "soft inquiry" and has no bearings 

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why did my husands score drop 30 points after disputing and error that was acutally found to be incorrect. That was the only change that happened financially?

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