So let’s break it down like I would for my own family:

👻 Myth: “Hard pulls will wreck your credit.”

Reality: They might shave off 2–5 points. That’s it.

Your offer falling apart mid-escrow because you didn’t do a real pre-approval? That’s the actual nightmare.

🧼 Myth: “Soft pulls are safer.”

Reality: Soft pulls are like trying to qualify for the Olympics with a Fitbit.

They don’t get you into a home.

They don’t give you accurate scores.

And they were literally created to make lenders feel better when credit bureaus started selling your info behind your back.

⚠️ Here’s How the Credit Score Industry Actually Works

• Bureaus scare you into clicking.

• Lenders started doing soft pulls to stop the spam calls.

• Now soft pulls cost almost the same as hard ones… and they’re still not enough to qualify.

• And somehow, you end up paying more in the end.

It’s a racket.

But once you see the game, you can stop playing it like a pawn.

🎯 Want to Actually Boost Your Score? I Built You a Playbook

This is the same stuff I’ve taught thousands of clients—the real tactics that move the needle:

✅ Opt out of junk credit offers (yes, it helps).

✅ Use tools like Experian Boost & eCredable Lift.

✅ Report your rent with CreditRentBoost.com.

✅ Know when creditors report and time your payments.

✅ Use secured cards like Chime the right way.

✅ Leverage “authorized user” status from a friend or family member.

✅ Negotiate deletions, not just payments, on collections.

✅ Don’t open a bunch of new accounts. Don’t close old ones.

✅ Use MyFICO—not the free apps with junk data.

📘 I put all 20 of these into a free guide for you:

👉 How to Raise Your Credit Score