Hard and Soft. A hard inquiry occurs when a lender checks your credit for a loan, lowering your score by 5–10 points and staying for 2 years. A soft inquiry happens during self-checks or pre-approvals ...

Refinancing your home involves replacing your old mortgage with a new one. This can lower your monthly payment, but the costs may outweigh any potential savings.

The standard allowance is the basic amount you get in Universal Credit before any additional elements or any deductions are taken into account ...

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