EB The Credit Doctor

06/14/2026

How Long Does a Hard Inquiry Affect Your Credit Score?

The scoring impact lasts about 12 months. The visible record lasts about 24 months.

Picture this: you applied for a new card six months ago and your score is still recovering. Or maybe you are planning to apply for a mortgage next year and want to know when your old inquiry will stop counting against you. If you have been wondering how long does a hard inquiry affect your credit score, the answer comes in two parts.

06/09/2026

Summer Credit Tip!
When you're taking excursions during the summer. Set spending limits: Factor in travel, lodging, and meals. If you can't pay the balance when the statement arrives, don't charge nothing.

06/09/2026

06/09/2026

We have a service where we focus on rebuilding your credit - first. See a score increase with suspect credit. DM for more info.

06/07/2026

No for real. Ask me.

06/02/2026

Me: The woman who helps folks get into cars from car lots that DON'T have trackers in them - where car payments don't need to be paid bi-weekly. And not have to pay a 120% interest rate. She's good at it too.

05/31/2026

You deserve a score that starts with seven! 💯
There's no reason to go into summer with a low credit score.
We got your back!

05/29/2026

There are several ways you can improve your credit score, including making on-time payments, paying down balances, avoiding unnecessary debt and more. But depending on your unique situation, it can be difficult to know where to start.

Whch is why we can help!
You deserve a better score!

05/25/2026

Good morning & Happy Memorial Day 🇺🇸❤️

Today only: our Memorial Day Special is officially LIVE! ✨
Get our 3-month dispute package for just $350!

If you’ve been waiting to start fixing your credit, this is your sign ✨

❤️🤍💙🇺🇸

05/25/2026

Boost your credit score with these 5 tradelines.Ready to change up your credit score? Follow, share, and comment "tradelines" if you need help wth any of these options.