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Consultations on the credit report?

I did not know before that even if they have no credit history or credit score, research (When lenders / creditors to raise a credit control you) may appear in the report. People say that this may damage the loan approvals future credit card … How long research stay there? I'm trying to build credit .. so this sentence "to guess" sucks and I try to be approved, but I do not want to hurt my report. Currently I have a credit card secured .. but that is my only line of credit they have, for now, as I was denied personal loans and unsecured credit cards because I have no credit history and I am a college student new. I have not tried to apply for department store cards .. but .. Why bother? Most probably be denied anyway (even if I pay in full each month …) So, should I continue with a credit line now, because the research nurse my report if I refuse? Thanks =)

Yes, I am not an expert but in my opinion i wouldnt open many accounts at once EVN if approved. Also on the question of the two types inquery A soft and hard drive is when you give permission to a lender to check your credit for the purpose of a loan ans so on. This does affect your score negativly a soft inquery lendors is when a credit check for promotional purposes, such as pre-that the adoption of a credit card these will NOT affect your credit score

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